| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.91% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.15% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $997 | — | $997 | 1.84% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.23% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | — | $596 | 1.77% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.81% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.04% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.91% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $530 | — | $530 | 2.38% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.81% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.04% |
| ENROLLMENT ALLIANCE LLC3 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.14% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFITS SERVICES, INC. EIN 56-1167792 NONE | Contract Administrator Service code 13 | PO BOX 11937 CHARLOTTE, NC 28220 | $75K |
| HAROLD W. WELLS & SONS, INC. EIN 56-0957752 NONE | Insurance brokerage commissions and fees Service code 53 | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | $49K |
| PAYER COMPASS, LLC EIN 46-2047081 NONE | Other services Service code 49 | PO BOX 844701 BOSTON, MA 02284 | $27K |
| TELADOC HEALTH INC. EIN 04-3705970 NONE | Insurance services Service code 23 | PO BOX 123417 DALLAS, TX 75312 | $6K |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $54K |
| Stop-loss / reinsurancereinsurance | US BENEFITS INX. SERVICES, LLC | 200 | $200K |
| Other(6 contracts, 2 carriers) | HCC LIFE INSURANCE CO. | 285 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.