| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J G ELLIOTT COMPANY3 | 1110 CIRCLE DRIVE SCOTTSBLUFF, NE 69361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.89% |
| SENIOR MARKET SALES INC3 Filed as: SENIOR MARKET SALES INC. | 8420 W DODGE RD, SUITE 510 OMAHA, NE 68114 | PROVIDENT LIFE AND ACCIDENT | — | $2K | $2K | 2.92% |
| J G ELLIOTT COMPANY3 | PO BOX 1648 SCOTTSBLUFF, NE 69363 | PROVIDENT LIFE AND ACCIDENT | $1K | — | $1K | 1.61% |
| KATELMAN, LORRIE, FARRIS3 | 1027 N 184TH STREET ELKHORN, NE 68022 | PROVIDENT LIFE AND ACCIDENT | $250 | — | $250 | 0.34% |
| LONG TERM CARE FINANCIAL PARTNERS3 | 5110 CLARILLON POINT KIRKLAND, WA 98033 | MUTUAL OF OMAHA | $6K | — | $6K | 9.60% |
| AMERICAN INDEPENDENT MARKETING3 | P.O. BOX 9366 YAKIMA, WA 98909 | MUTUAL OF OMAHA | $2K | — | $2K | 3.00% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 12.07% |
| RSL INVESTMENTS INC3 | 1365 OVERLOOK DRIVE STE 773557 STEAMBOAT SPRINGS, CO 80487 | WASHINGTON NATIONAL GROUP | $561 | — | $561 | 8.16% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET S BIRMINGHAM, AL 35233 | WASHINGTON NATIONAL GROUP | $330 | — | $330 | 4.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RICHARD S LEE | 555 BAYVIEW DRIVE BELLEAIR, FL 33756 | WASHINGTON NATIONAL GROUP | $120 | — | $120 | 1.75% |
| DALLAS WAYNE HARP ESTATE3 | DO NOT MAIL DO NOT MAIL, TX 76034 | WASHINGTON NATIONAL GROUP | $68 | — | $68 | 0.99% |
| PERFORMANCE MATTERS ASSOCIATES3 Filed as: PERFORMANCE MATTERS ASSOCIATES OF | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | WASHINGTON NATIONAL GROUP | $67 | — | $67 | 0.98% |
| TOM TUCKERMAN ASSOCIATES LTD3 | 35014 N 80TH WAY SCOTTSDALE, AZ 85266 | WASHINGTON NATIONAL GROUP | $66 | — | $66 | 0.96% |
| DANNY JOE MCGREGOR3 | 2919 RUIDOSO ST LONGVIEW, TX 75605 | WASHINGTON NATIONAL GROUP | $62 | — | $62 | 0.90% |
| S.C. EMPERO & ASSOCIATES3 | 3405 BRENTWOOD ODESSA, TX 79762 | WASHINGTON NATIONAL GROUP | $56 | — | $56 | 0.82% |
| JOSEPH KUIPER3 | 6325 S CALICO PLACE SIOUX FALLS, SD 571083507 | WASHINGTON NATIONAL GROUP | $56 | — | $56 | 0.82% |
| SCHOEPP INC3 | 4430 W KINSLEY PL SIOUX FALLS, SD 57108 | WASHINGTON NATIONAL GROUP | $50 | — | $50 | 0.73% |
| RICK J MOORE3 | 9501 E AW TILLINGHAST RD SCOTTSDALE, AZ 85262 | WASHINGTON NATIONAL GROUP | $47 | — | $47 | 0.68% |
| JEFFREY J BOUCHER3 | 26613 TUCKER DR BRANDON, SD 57005 | WASHINGTON NATIONAL GROUP | $42 | — | $42 | 0.61% |
| TIMOTHY W DECKER3 | 25000 BEALS CHAPEL RD LENOIR CITY, TN 37772 | WASHINGTON NATIONAL GROUP | $21 | — | $21 | 0.31% |
| SUZAN CASTILLO EMPERO3 | 3405 BRENTWOOD ODESSA, TX 79762 | WASHINGTON NATIONAL GROUP | $7 | — | $7 | 0.10% |
| THOMAS MOORE3 Filed as: THOMAS HAGER | 7101 ROCHELLE LN AMARILLO, TX 79109 | WASHINGTON NATIONAL GROUP | $6 | — | $6 | 0.09% |
| STEVE COLBY ZIMMERMAN3 | 10519 SEDALIA ST COMMERCE CITY, CO 80022 | WASHINGTON NATIONAL GROUP | $5 | — | $5 | 0.07% |
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 | 359 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT | 56 | $134K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $366K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $366K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 364 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.