| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS LLC DBA FOWL | PO BOX 2976 GAINSVILLE, GA 30503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 6.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.36% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN STREET NORTHEAST GAINSVILLE, GA 30501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.64% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN STREET NORTHEAST GAINSVILLE, GA 30501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 20.00% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS LLC DBA FOWL | PO BOX 2976 GAINSVILLE, GA 30503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.37% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.63% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN STREET NORTHEAST GAINSVILLE, GA 30501 | UNITED OF OMAHA LIFE INSUANCE COMPANY | $3K | — | $3K | 15.00% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS LLC DBA FOWL | PO BOX 2976 GAINSVILLE, GA 30503 | UNITED OF OMAHA LIFE INSUANCE COMPANY | — | $1K | $1K | 6.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSUANCE COMPANY | — | $728 | $728 | 3.43% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSUANCE COMPANY | — | $332 | $332 | 1.57% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN STREET NORTHEAST GAINSVILLE, GA 30501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $836 | — | $836 | 10.00% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS LLC DBA FOWL | PO BOX 2976 GAINSVILLE, GA 30503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $553 | $553 | 6.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTERR AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $283 | $283 | 3.38% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $135 | $135 | 1.61% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINSVILLE, GA 30503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $897 | — | $897 | 13.19% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS | 434 GREEN STREET GAINESVILLE, GA 30501 | ALLYHEALTH LLC | $143 | — | $143 | 3.32% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 93 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUANCE COMPANY | 177 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $77K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 149 | $579K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSUANCE COMPANY | 180 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.