| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 8.50% |
| BEARING INSURANCE GROUP, LLC3 | 10304 SPOTSYLVANIA AVE STE 110 FREDERICKSBURG, VA 22408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $20K | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.87% |
| BEARING INSURANCE GROUP, LLC3 | 10304 SPOTSYLVANIA AVE STE 110 FREDERICKSBURG, VA 22408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $10K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.82% |
| BEARING INSURANCE GROUP, LLC3 | 10304 SPOTSYLVANIA AVE STE 110 FREDERICKSBURG, VA 22408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $10K | $0 | $10K | 7.46% |
| BANKERS INSURANCE LLC3 Filed as: BANKERS INSURANCE, LLC | PO BOX 9953 GLEN ALLEN, VA 23058 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 17.58% |
| BEARING INSURANCE GROUP, LLC3 | 10304 SPOTSYLVANIA AVE STE 110 FREDERICKSBURG, VA 22408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.68% |
| BEARING INSURANCE GROUP, LLC3 | 10304 SPOTSYLVANIA AVE STE 110 FREDERICKSBURG, VA 22408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 5.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.73% |
| BEARING INSURANCE GROUP, LLC3 | 10304 SPOTSYLVANIA AVE STE 110 FREDERICKSBURG, VA 22408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 5.77% |
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 | 1,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,942 | $794K |
| Vision | VISION SERVICE PLAN | 1,016 | $129K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,380 | $408K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,380 | $315K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,380 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,942 | — |
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."
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.