| 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 | $7K | $0 | $7K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 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 | $0 | $611 | $611 | 0.91% |
| 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% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $247 | $247 | 2.02% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $183 | $183 | 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 | $852 | $0 | $852 | 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 | $0 | $220 | $220 | 2.58% |
| 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 | $795 | $0 | $795 | 14.99% |
| 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 | $0 | $136 | $136 | 2.56% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $80 | $80 | 1.51% |
| 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 | $197 | $0 | $197 | 15.00% |
| 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 | $0 | $34 | $34 | 2.59% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $20 | $20 | 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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $67K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $7K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.