| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.59% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $238 | — | $238 | 0.21% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 18.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 17.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $990 | — | $990 | 1.76% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 18.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $898 | — | $898 | 1.79% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 16.39% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $555 | — | $555 | 1.61% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $738 | $738 | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $133 | — | $133 | 0.83% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 18.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $636 | $636 | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $237 | — | $237 | 1.70% |
| C.B. WOOD FINANCIAL LLC3 | 6428 W WILKINSON BLVD #329 BELMONT, NC 28012 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 18.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $426 | $426 | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | — | $168 | 1.79% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $116K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $66K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.