| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGEANT LLC3 Filed as: ALLEGEANT, LLC | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $14K | $43K | 14.64% |
| ALLEGEANT LLC3 Filed as: ALLEGEANT, LLC | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 14.93% |
| ALLEGEANT LLC3 Filed as: ALLEGEANT, LLC | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.20% |
| ALLEGEANT LLC3 Filed as: ALLEGEANT, LLC | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.58% |
| ALLEGEANT LLC3 Filed as: ALLEGEANT, LLC | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.13% |
| ALLEGENT LLC3 Filed as: ALLEGENT, LLC | 1954 GREENSPRING DRIVE SUITE 640 LUTHERVILLE TIMONIUM, MD 21093 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.09% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $130K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $295K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $81K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.