| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 11.85% |
| WATKINS FINANCIAL ADVOCATES LLC3 | 2544 ROSS RD, APT 102 SILVER SPRING, MD 20910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $670 | — | $670 | 1.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ M.T. DONAHOE & ASSOC, LLC | 9755 PATUXENT WOODS DR, STE 250 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $402 | $402 | 1.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 10.00% |
| WATKINS FINANCIAL ADVOCATES LLC3 | 2544 ROSS RD, APT 102 SILVER SPRING, MD 20910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $933 | — | $933 | 2.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ M.T. DONAHOE & ASSOC, LLC | 9755 PATUXENT WOODS DR, STE 250 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $372 | $372 | 1.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.06% |
| WATKINS FINANCIAL ADVOCATES LLC3 | 2544 ROSS RD, APT 102 SILVER SPRING, MD 20910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $984 | — | $984 | 3.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ M.T. DONAHOE & ASSOC, LLC | 9755 PATUXENT WOODS DR, STE 250 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $295 | $295 | 1.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $945 | $4K | 13.31% |
| WATKINS FINANCIAL ADVOCATES LLC3 | 2544 ROSS RD, APT 102 SILVER SPRING, MH 20910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ M.T. DONAHOE & ASSOC, LLC | 9755 PATUXENT WOODS DR, STE 250 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $281 | $281 | 1.03% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $39K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.