| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BW EMPLOYEE BENEFITS LLC3 | 99 WOOD AVE S SUITE 501 ISELIN, NJ 08830 | ALL SAVERS INSURANCE COMPANY | $29K | — | $29K | 2.43% |
| BW EMPLOYEE BENEFITS LLC3 | 7887 WASHINGTON VILLAGE DR SUITE 295 DAYTON, OH 45459 | DELTA DENTAL OF OHIO | $7K | — | $7K | 5.07% |
| DAVID RISPLER3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.09% |
| BW EMPLOYEE BENEFITS LLC3 Filed as: BW EMPLOYEE BENEFITS | 7887 WASHINGTON VILLAGE DR SUITE 310 DAYTON, OH 45459 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.32% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.16% |
| DAVID RISPLER3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $968 | — | $968 | 2.52% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $641 | $641 | 1.67% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $387 | $387 | 1.01% |
| BW EMPLOYEE BENEFITS LLC3 Filed as: BW EMPLOYEE BENEFITS | 7887 WASHINGTON VILLAGE DR SUITE 310 DAYTON, OH 45459 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.26% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.13% |
| DAVID RISPLER3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | — | $817 | 2.60% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $518 | $518 | 1.65% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $327 | $327 | 1.04% |
| BW EMPLOYEE BENEFITS LLC3 Filed as: BW EMPLOYEE BENEFITS | 7887 WASHINGTON VILLAGE DR SUITE 310 DAYTON, OH 45459 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.21% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $709 | — | $709 | 4.10% |
| DAVID RISPLER3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $465 | — | $465 | 2.69% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $284 | $284 | 1.64% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $186 | $186 | 1.08% |
| BW EMPLOYEE BENEFITS LLC3 Filed as: BW EMPLOYEE BENEFITS | 7887 WASHINGTON VILLAGE DRIVE SUITE 310 DAYTON, OH 45459 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.22% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $645 | — | $645 | 4.11% |
| DAVID RISPLER3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $419 | — | $419 | 2.67% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $258 | $258 | 1.64% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $168 | $168 | 1.07% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALL SAVERS INSURANCE COMPANY | 121 | $1.2M |
| Dental | DELTA DENTAL OF OHIO | 349 | $137K |
| Vision | ALL SAVERS INSURANCE COMPANY | 121 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.