| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MACDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $9K | $32K | 21.24% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 26.05% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 25.77% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OH 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
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 | 516 | 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) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 371 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $150K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.