| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.50% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $627 | $836 | $1K | 3.50% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $260 | $4K | 10.75% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 21.25% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $786 | $1K | $2K | 8.75% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 5510 SIX FORK ROAD SUITE 260 RALEIGH, NC 27609 | COMMUNITY EYE CARE | $2K | $0 | $2K | 12.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 9121 ANSON WAY STE 200 RALEIGH, NC 27615 | 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 | $300 | $667 | $967 | 7.25% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $42K |
| Vision | COMMUNITY EYE CARE | 125 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $35K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.