| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DR STE 990 BLOOMINGTON, MN 55425 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.79% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PKWY STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.21% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DR STE 990 BLOOMINGTON, MN 55425 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.80% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PKWY STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $940 | — | $940 | 4.19% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DR STE 990 BLOOMINGTON, MN 55425 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.80% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $555 | $555 | 5.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PKWY STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $466 | — | $466 | 4.20% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DR STE 990 BLOOMINGTON, MN 55425 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | — | $566 | 10.13% |
| BENEUSA LLC3 | 261 SCHOOL AVE STE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $279 | $279 | 4.99% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PKWY STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $272 | — | $272 | 4.87% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.