| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $8K | $21K | 12.08% |
| EA LEGACY LLC5 | 1724 E 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.36% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.17% |
| RUTH A ANDERSON4 Filed as: RUTH ANDERSON | 331 S FAYETTEVILLE STREET CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $621 | — | $621 | 7.99% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 Filed as: SDM&R, INC. DBA SENN DUNN INSURANCE | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $359 | — | $359 | 4.62% |
| JAMES A SCOTT & SON INC4 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | — | $74 | 0.95% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $171K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $171K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $171K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $171K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $171K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.