| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITFOCUS.COM, INC.5 | PO BOX 123383 DALLAS, TX 75312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $35K | $35K | 3.05% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, LLC | 1122 SOUTH MAIN STREET, SUITE B GREENVILLE, SC 29601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.05% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.21% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS, LLC | 1122 SOUTH MAIN STREET GREENVILLE, SC 29601 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $10K | $10K | 1.27% |
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 | 1,312 | 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) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 2,074 | $754K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 2,074 | $754K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,312 | $1.2M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,312 | $1.2M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,312 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,312 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,074 | — |
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.