| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAGCO ASSOCIATES LP3 | PO 4133 BERGHEIM, TX 78004 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 15.21% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $17K | 15.03% |
| RSC INSURANCE BROKERAGE INC3 | 2 CORPORATE PL PEABOYD, MA 01960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.73% |
| EMERSON REID LLC3 Filed as: ERMERSON REID LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LD&B BENEFITS ADMINISTRATORS EIN 54-0784757 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 205 C SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | $16K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 17 | $154K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $111K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.