| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE, INC. | 160 FEDERAL STREET - FL 4 BOSTON, MA 02110 | DELTA DENTAL OF OHIO | $9K | — | $9K | 5.27% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | DELTA DENTAL OF OHIO | $4K | — | $4K | 2.22% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS - FL 18 NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-FL 18 NEW YORK, NY 10019 | UNITED OF OMAHA INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-FL 18 NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSRUANCE COMPANY | $8K | — | $8K | 20.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 750 THIRD AVENUE, SUITE 1500 NEW YORK, NY 10017 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY LLC | 1350 AVENUE OF THE AMERICAS-FL 18 NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 722 | $176K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 639 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 397 | $121K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $157K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 204 | $128K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 397 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.