| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 25.54% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $834 | $834 | 1.81% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 21.97% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $816 | $816 | 1.91% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.86% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 11.36% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $734 | $3K | 20.67% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $207 | $207 | 1.60% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $43K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.