| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $834 | $834 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.97% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $278 | $278 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $168 | $168 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $961 | $0 | $961 | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $948 | $0 | $948 | 15.01% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $95 | $95 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $446 | $0 | $446 | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $237 | $0 | $237 | 15.03% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $24 | $24 | 1.52% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $16K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $56K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $19K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.