| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | — | $288K | $288K | 21.74% |
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | — | $285K | $285K | 21.49% |
| ASHLEY DSOUZA3 | 1050 WILSHIRE DR TROY, MI 48084 | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | — | $62K | $62K | 4.70% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES GROUP INC | PO BOX 1350 TAMPA, FL 33601 | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | — | $27K | $27K | 2.06% |
| NJ GROUP SERVICES3 | 22 MERIDIAN RD, SUITE 16 EDISON, NJ 08820 | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | — | $5K | $5K | 0.35% |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Dental | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Vision | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Life insurance | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Long-term disability | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Prescription drug | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Other | ZURICH AMERICAN INSURANCE COMPANY/ AETNA | 247 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.