| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.08% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.20% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $297 | — | $297 | 0.80% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 13.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $221 | — | $221 | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $545 | $2K | 13.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $109 | — | $109 | 0.84% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 25.66% |
| MCGRIFF INSURANCE SERVICES INC3 | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $426 | $194 | $620 | 13.32% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD, GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39 | — | $39 | 0.84% |
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 | 192 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $26K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
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.