| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA CMU 301 COMMERCIAL STREET, SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MMA CMU 301 COMMERCE ST SUITE 2201 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $638 | — | $638 | 5.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC | — | $749 | $749 | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $601 | $2K | 19.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $686 | $2K | 20.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD, SUITE 240 HOUSTON, TX 770420000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $801 | $310 | $1K | 20.81% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $49K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $12K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.