| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CANYON RE, LLC3 | 1400 BUFORD HWY SUITE A-3 BUFORD, GA 30518 | SIRIUS AMERICA INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| OLSON, TIMOTHY H3 | 16820 FRANCES STREET SUITE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.00% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| OLSON, TIMOTHY H3 | 16820 FRANCES STREET SUITE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.00% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.25% |
| OLSON, TIMOTHY H3 | 16820 FRANCES STREET SUITE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.28% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $383 | $383 | 1.25% |
| TIM OLSON INC3 Filed as: TIM OLSON INC. | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 13.38% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 18.75% |
| TANYA WISHARD3 Filed as: TANYA M MULDER | 1753 NORTH 176TH PLAZA OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.17% |
| LEGGETT COMPANY INC3 | PO BOX 607 YORK, NE 68467 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.14% |
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 | 520 | 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) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 458 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 458 | $291K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 435 | $326K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 458 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.