| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CULTURE INSURANCE SVCS LLC3 | 140 W 3RD AVENUE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $275 | $12K | 10.29% |
| CULTURE INSURANCE SVCS LLC3 | 140 WEST 3RD AVENUE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $87 | $2K | 10.49% |
| CULTURE INSURANCE SVCS LLC3 | 140 WEST 3RD AVENUE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $91 | $3K | 15.55% |
| CULTURE INSURANCE SVCS LLC3 | 140 WEST 3RD AVENUE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $89 | $2K | 15.62% |
| CULTURE INSURANCE SVCS LLC3 | 140 WEST 3RD AVENUE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $64 | $1K | 15.68% |
| CULTURE INSURANCE SVCS LLC3 | 140 WEST 3RD AVENUE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $896 | $34 | $930 | 15.57% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $114K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $17K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.