| 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 | $997 | $7K | 11.75% |
| 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 | $2K | $855 | $3K | 13.65% |
| 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 | $576 | $2K | 13.68% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $783 | $783 | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $612 | $3K | 19.03% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $761 | $761 | 5.00% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $418 | $2K | 19.34% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $482 | $482 | 5.00% |
| MAIN STREET FINANCIAL GROUP3 Filed as: MAIN STREET INSURANCE GROUP | 22 N TRADE STREET TRYON, NC 28782 | PRINCIPAL LIFE INSURANCE COMPANY | $954 | $51 | $1K | 10.61% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $382 | $382 | 4.03% |
| MAIN STREET FINANCIAL GROUP3 | 22 N TRADE ST TRYON, NC 28782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $609 | $223 | $832 | 13.66% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $305 | $305 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 TPA | Claims processing Service code 12 | — | $45K |
| MAIN STREET SWIMMER EIN 56-2185489 BROKER | Other commissions Service code 55 | — | $35K |
| CIGNA CORPORATION EIN 59-1031071 NETWORK | Claims processing Service code 12 | — | $16K |
| ADVOSEE EIN 85-4312283 BROKER | Other commissions Service code 55 | — | $8K |
| CAREOPERATIVE, LLC EIN 20-8981027 UNKNOWN | Other fees Service code 99 | — | $2K |
| HEALTHGRAM- TELEDOC, INC EIN 47-4591265 TELEDOC ADMIN | Claims processing Service code 12 | — | $893 |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $57K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 132 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $16K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $10K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $296K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.