| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC3 | 2925 E. BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | $0 | $648 | 0.91% |
| CLJM LLC3 | 2925 E. BATTLEFIELD ST STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.88% |
| CLJM LLC3 | 2925 E. BATTLEFIELD ST. STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.30% |
| CLJM LLC3 | 2925 E. BATTLEFIELD ST. STE 120 SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $682 | $872 | $2K | 12.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $329 | $0 | $329 | 2.58% |
| CLJM LLC3 | 2925 E. BATTLEFIELD ST STE 120 SPRINGFIELD, MA 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $515 | $654 | $1K | 13.34% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $361 | $0 | $361 | 4.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $64K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $6K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $71K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $36K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 99 | $368K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.