| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| MITCHELL INSURANCE INC3 | 901 NORTH MAIN STREET SIKESTON, MO 63801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $369 | — | $369 | 0.70% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 16.11% |
| MITCHELL INSURANCE INC3 | 901 NORTH MAIN STREET SIKESTON, MO 63801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | — | $820 | 3.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $518 | $2K | 16.27% |
| MITCHELL INSURANCE INC3 | 901 NORTH MAIN STREET SIKESTON, MO 63801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $387 | — | $387 | 3.73% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $638 | $428 | $1K | 12.58% |
| MITCHELL INSURANCE INC3 | 901 NORTH MAIN STREET SIKESTON, MO 63801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $209 | — | $209 | 2.47% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | — | $478 | 5.98% |
| MITCHELL INSURANCE INC3 | 901 NORTH MAIN STREET SIKESTON, MO 63801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $321 | — | $321 | 4.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | — | $566 | 7.19% |
| MITCHELL INSURANCE INC3 | 901 NORTH MAIN STREET SIKESTON, MO 63801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $150 | — | $150 | 1.91% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.80% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 10.00% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $53K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $10K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.