| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| GIS BENEFITS INC3 | GA PURPOSES ONLY 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 12.19% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| GIS BENEFITS INC3 | GA PURPOSES ONLY 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| GIS BENEFITS INC3 | GA PURPOSES ONLY 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $927 | $927 | 5.00% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 13.00% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $709 | $3K | 20.34% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 9.58% |
| CAPITAL GROUP BENEFITS LLC3 | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | CLARITY BENEFIT SOLUTIONS | $770 | $0 | $770 | 8.66% |
| MCGRIFF INSURANCE SERVICES INC3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | — |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $122K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $56K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $48K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 212 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.