| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 14.54% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE LLC 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 11.37% |
| EA LEGACY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.40% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $792 | $2K | $3K | 8.90% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | — | $730 | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER ROAD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 12.20% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $926 | $1K | $2K | 11.96% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $847 | — | $847 | 4.78% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $18K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.