| 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 | $8K | — | $8K | 4.65% |
| 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 | $17K | — | $17K | 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-18TH FL NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-FL 18 NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSRUANCE COMPANY | $8K | — | $8K | 20.00% |
| 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 | $3K | — | $3K | 9.21% |
| KRAUTER AND COMPANY, LLC3 Filed as: KRAUTER AND COMPANY LLC | 1350 AVENUE FO 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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 685 | $180K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | 598 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 378 | $121K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $154K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 200 | $127K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 378 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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.