| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 18.55% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $996 | $996 | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 20.11% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $989 | $989 | 2.00% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 280315614 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 10.00% |
| SILVERMAN, MEGAN R3 Filed as: SILVERMAN,MEGAN,RAE | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 10.00% |
| DOHERTY FRANK P3 Filed as: DOHERTY,FRANK,P | 99 WOOD AVE S ISELIN, NJ 088302734 | AMERITAS LIFE INSURANCE CORP. | $652 | $0 | $652 | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $646 | $646 | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 19.30% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $538 | $538 | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 21.75% |
| E POWERED BENEFITS LLC3 | 19109 W CATAWBA AVE STE 200 CORNELIUS, NC 28031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $426 | $426 | 2.00% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC. | 214 | $150K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 433 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $58K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.