| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 6.92% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $726 | $18K | 10.41% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL GRP BEN & INS SVCS INC | PO BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $384 | $11K | 10.37% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $258 | $10K | 15.38% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $209 | $4K | 10.50% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL GRP BEN & INS SVCS INC. | PO BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CENTENNIAL GROUP BENEFITS3 | P. O. BOX 3387 SEAL BEACH, CA 90740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $497 | $43 | $540 | 10.88% |
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 | 1,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,392 | $823K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,392 | $823K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,147 | $219K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $110K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $108K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,147 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.