| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 600 3RD AVE FRNT 3 NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $790 | $53K | $53K | 3.10% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFITS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $348 | $23K | $24K | 1.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.46% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD STE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.22% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET FL 24 CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $213 | $213 | 0.01% |
| COHNREZNICK BENEFIT CONSULTANTS3 Filed as: COHNREZNICK BENEFITS CONSULTANTS | UNKNOWN LENEXA, KS 66215 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 2.75% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 15.73% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $598 | $598 | 2.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 18.54% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.87% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $566 | $566 | 2.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 15.88% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $901 | — | $901 | 4.17% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $451 | $451 | 2.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $751 | $1K | $2K | 15.63% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $546 | — | $546 | 4.21% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $273 | $273 | 2.10% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.7M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 87 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $27K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.7M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.