| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NORTH CAROLINA | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 8.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 3.15% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS, INC | 312 EAST MAIN STREET SALISBURY, MD 21801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.76% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF NORTH CAROLINA | 11215 NORTH COMMUNITY HOUSE ROAD SUITE 100 CHARLOTTE, NC 28277 | VISION SERVICE PLAN | $1K | — | $1K | 3.04% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS, INC | PO BOX 2317 SALISBURY, MD 21802 | VISION SERVICE PLAN | $812 | — | $812 | 1.66% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 812 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 768 | $221K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 768 | $221K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 768 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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."
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.