| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 749140 ATLANTA, GA 30374 | DELTA DENTAL OF MISSOURI | $200 | $1K | $1K | 0.51% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 5608 WALNUT CREEK, CA 94696 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 0.42% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.95% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN ST STE 2310 KANSAS CITY, MA 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $718 | — | $718 | 0.79% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.97% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.50% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $929 | — | $929 | 1.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUPS INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MA 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.67% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 5608 WALNUT CREEK, CA 94596 | ADVANTICA INSURANCE COMPANY | $4K | — | $4K | 8.40% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 749140 ATLANTA, GA 30374 | ADVANTICA INSURANCE COMPANY | $659 | $185 | $844 | 1.92% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.44% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $934 | $934 | 2.60% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURNACE SVCS INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $262 | — | $262 | 0.73% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURNACE BROKERS | 1350 CARLBACK AVE STE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.01% |
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 | 557 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 813 | $266K |
| Vision | ADVANTICA INSURANCE COMPANY | 655 | $44K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $127K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $70K |
| Stop-loss / reinsurancereinsurance | NORTH RIVER - CRUM & FORSTER | 362 | $882K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.