| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER RD STE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $35 | $2K | 5.87% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $662 | $662 | 1.77% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER RD STE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $91 | $3K | 13.49% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.90% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER RD STE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $69 | $2K | 10.39% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.20% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER RD STE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $58 | $2K | 15.49% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 8.95% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER RD STE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $756 | $29 | $785 | 10.38% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $533 | $533 | 7.05% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $25K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 87 | $408K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.