| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVER BENEFITS CONSULTING GROUP3 | 501 CLIFTON BOULEVARD MANSFIELD, OH 44907 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 4.00% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.84% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.92% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.72% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $719 | $719 | 2.72% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $529 | $529 | 2.90% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROADSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $442 | $442 | 2.97% |
| RIVER BENEFITS CONSULTING GROUP3 | 2035 CROCKER ROAD SUITE 105 WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $803 | — | $803 | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE ROAD SUITE 103 CLEVELAND, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $225 | $225 | 2.80% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS INC | PO BOX 84428 LINCOLN, NE 68501 | VISION SERVICE PLAN | $92 | — | $92 | 9.95% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $464K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $35K |
| Vision | VISION SERVICE PLAN | 4 | $925 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $26K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.