| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $636 | $636 | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $364 | $364 | 4.39% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $94K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $54K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.