| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 3.00% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 1.42% |
| AARON C. DAVIS3 | 377 N. TANNERY ROAD WESTMINSTER, MD 21157 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 1.12% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DR., STE. 500 FAIRFAX, VA 22030 | AMERITAS LIFE INSURANCE CORPORATION | — | $533 | $533 | 0.49% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLET, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.25% |
| NEXTLOGICAL BENEFIT STRATEGIES LLC3 Filed as: NEXTLOGICAL BENEFIT STRATEGIES | 377 N. TANNERY ROAD WESTMINSTER, MD 21157 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.75% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC. | 501 FAIRMOUNT AVENUE, STE. 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 13.14% |
| NEXTLOGICAL BENEFIT STRATEGIES LLC3 Filed as: NEXTLOGICAL BENEFIT STRATEGIES, LLC | 377 N. TANNEY ROAD WESTMINSTER, MD 21157 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.86% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC. | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.08% |
| NEXTLOGICAL BENEFIT STRATEGIES LLC3 Filed as: NEXTLOGICAL BENEFIT STRATEGIES | 377 N. TANNERY ROAD WESTMINSTER, MD 21157 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.92% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC. | 501 FAIRMOUNT AVENUE, STE. 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 129 | $108K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 129 | $108K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.