| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 364 SHELBURNE RD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.09% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT LTD | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INS | 10 RESEARCH PKWY STE 400 WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 4.70% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS | INSURANCE 10 RESEARCH RKWY, STE 400 WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $889 | $414 | $1K | 7.21% |
| ACRISURE LLC3 | 365 SHELBURNE RD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $918 | — | $918 | 5.08% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $903 | $903 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS | INSURANCE 10 RESEARCH PKWY, STE 400 WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | $109 | $500 | 9.95% |
| ACRISURE LLC3 | 364 SHELBURNE RD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $363 | — | $363 | 7.22% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $251 | $251 | 5.00% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $5K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.