| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, IL 68145 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 10.09% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $41 | $41 | 0.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | -$5K | -$5K | -2.07% |
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, IL 68145 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.52% |
| UNKNOWN3 | UNKNOWN OMAHA, NE 68124 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $11 | $2K | 1.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $263 | $263 | 0.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | METROPOLITAN LIFE INSURANCE COMPANY | -$308 | $0 | -$308 | -0.20% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $150K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $150K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 225 | $230K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 225 | $230K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 225 | $230K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.