| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS | PO BOX 2976 GAINSVILLE, GA 30503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.51% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHVILLE, NC 28802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | — | $503 | 0.49% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS | PO BOX 2976 GAINSVILLE, GA 30503 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 16.73% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHEVILLE, NC 28802 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.27% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS | PO BOX 2976 GAINSVILLE, GA 30503 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.42% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHEVILLE, NC 28802 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $778 | — | $778 | 2.58% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC | PO BOX 530 ASHEVILLE, NC 28802 | FIDELITY SECURITY LIFE INSURANCE | $558 | — | $558 | 4.98% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC | — | ALLYHEALTH LLC | $2K | — | $2K | 20.00% |
| LEGACY RISK SOLUTIONS LLC3 Filed as: LEGACY RISK SOLUTIONS | PO BOX 2976 GAINSVILLE, GA 30503 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $826 | — | $826 | 8.33% |
| INSURANCE SERVICES OF ASH3 | PO BOX 530 ASHEVILLE, NC 28802 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $166 | — | $166 | 1.67% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE | 208 | $11K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 219 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $102K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 219 | $86K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY | 142 | $593K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 219 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.