| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RIVER, LLC3 Filed as: BENEFIT RIVER LLC | 95 VITA CT BOZEMAN, MT 597186637 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 6.31% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.84% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $898 | $898 | 4.00% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $948 | — | $948 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $474 | $474 | 5.00% |
| FALL RIVER CONSULTING GROUP LLC Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $911 | — | $911 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $455 | $455 | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $476 | — | $476 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.1 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $238 | $238 | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $372 | — | $372 | 10.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $186 | $186 | 5.01% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $370 | — | $370 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $185 | $185 | 5.00% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $355 | — | $355 | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $178 | $178 | 5.01% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $247 | — | $247 | 10.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $123 | $123 | 4.98% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 58 | $132K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $22K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $2K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $9K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.