| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $10K | $14K | 12.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI,LLC | 4504 W. BROADWAY BLVD. SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $7K | $10K | 12.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W. BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $6K | $8K | 12.40% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 12.77% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W. BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.19% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $64K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.