| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $286 | $6K | 10.49% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $200 | $3K | 15.95% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $162 | $2K | 10.94% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $864 | $864 | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $158 | $2K | 15.96% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $762 | $762 | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $107 | $2K | 10.75% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $711 | $711 | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $609 | $61 | $670 | 11.01% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $304 | $304 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 TPA | Claims processing Service code 12 | — | $40K |
| CIGNA CORPORATION EIN 59-1031071 NETWORK | Claims processing Service code 12 | — | $17K |
| HEALTHGRAM- TELEDOC, INC EIN 47-4591265 TELEDOC ADMIN | Claims processing Service code 12 | — | $973 |
| CAREOPERATIVE, LLC EIN 20-8981027 UNKNOWN | Other fees Service code 99 | — | $3 |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $58K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $17K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $15K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $269K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
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.