| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC | 1425 FRONT ST. PO BOX 670 RICHLANDS, VA 24641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | 1425 FRONT ST. PO BOX 670 RICHLANDS, VA 24641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $617 | $2K | 4.91% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 20 S KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | — | $654 | 1.59% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | 1425 FRONT ST. PO BOX 670 RICHLANDS, VA 24641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $444 | $1K | 4.80% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 20 S KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $506 | — | $506 | 1.63% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | 1425 FRONT ST. PO BOX 670 RICHLANDS, VA 24641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $508 | $371 | $879 | 3.56% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 20 S KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $233 | — | $233 | 0.94% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | 1425 FRONT ST. PO BOX 670 RICHLANDS, VA 24641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $764 | $332 | $1K | 4.97% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 20 S KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $338 | — | $338 | 1.53% |
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC. | 1425 FRONT ST. PO BOX 670 RICHLANDS, VA 24641 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $995 | — | $995 | 10.01% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $43K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $22K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT INSURANCE COMPANY | 114 | $155K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.