| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 19.12% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.54% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $986 | $6K | 18.07% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $845 | $845 | 2.63% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 197134312 | VISION SERVICE PLAN | $713 | — | $713 | 7.77% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $649 | $254 | $903 | 14.58% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $218 | $218 | 3.52% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | $184 | $633 | 14.11% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $158 | $158 | 3.52% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $82 | $82 | 4.06% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $70 | $70 | 3.47% |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $58K |
| Vision | VISION SERVICE PLAN | 77 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $6K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.