| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.14% |
| JRW ASSOCIATES INC3 | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.86% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCITATES INC | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $0 | $637 | 2.25% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCITATES INC | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $972 | $972 | 5.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $437 | $0 | $437 | 2.25% |
| JRW ASSOCIATES INC3 | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNUM INSURANCE COMPANY | $2K | $123 | $3K | 15.75% |
| JRW ASSOCIATES INC3 | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $516 | $0 | $516 | 5.04% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $507 | $0 | $507 | 4.96% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCITATES INC | 5510 SIX FORKS RD STE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.75% |
| ANT FARM5 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 10.05% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $499 | $499 | 5.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $224 | $0 | $224 | 2.25% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $58K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $28K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 161 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.