| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $20K | 14.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.85% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY SUITE 800 ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $6K | $14K | 19.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBENCONCEPTS COMPANY EIN 75-2966596 CONSULTANT | Consulting fees; Consulting (general) Service code 16 | — | $59K |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 06-0303370 PPO NETWORK FEES | Other fees Service code 99 | — | $35K |
| ORCHESTRATEHR EIN 27-4567072 TPA | Contract Administrator; Claims processing; Other fees Service code 12 | — | $5K |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $138K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $138K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 186 | $298K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
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.