| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 Filed as: IFS BENEFIT LLC | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.91% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC. DBA BHI | 111 CONTINENTAL DR STE 405 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $972 | $0 | $972 | 4.11% |
| IFS BENEFITS LLC3 | 111 CONTINENTAL DR STE 450 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $678 | $678 | 2.87% |
| IFS BENEFITS LLC3 | 200 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.07% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC. DBA BHI | 111 CONTINENTAL DR STE 405 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $926 | $0 | $926 | 4.10% |
| IFS BENEFITS LLC3 | 111 CONTINENTAL DR STE 450 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $701 | $701 | 3.11% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANU | $848 | $0 | $848 | 5.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANU | $0 | $727 | $727 | 5.03% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC. DBA BHI | 111 CONTINENTAL DR STE 405 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANU | $598 | $0 | $598 | 4.14% |
| IFS BENEFITS LLC3 | 111 CONTINENTAL DR STE 450 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANU | $0 | $439 | $439 | 3.04% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $721 | $0 | $721 | 5.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $588 | $588 | 4.80% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC. DBA BHI | 111 CONTINENTAL DR STE 405 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $505 | $0 | $505 | 4.12% |
| IFS BENEFITS LLC3 | 111 CONTINENTAL DR STE 450 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $330 | $330 | 2.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 220 CONTINENTAL DR STE 220 NEWARK, DE 19713 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.97% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK OF DELAWARE | 147 | $53K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANU | 94 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $23K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANU | 94 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.