| 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 | — | $9K | 18.37% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $843 | $843 | 1.70% |
| RCH BENEFITS ADVISORS3 Filed as: RCH BENEFIT ADVISORS | 66 LAKE FOREST DR SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $810 | — | $810 | 1.63% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 16.54% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $854 | $854 | 2.36% |
| RCH BENEFITS ADVISORS3 Filed as: RCH BENEFIT ADVISORS | 66 LAKE FOREST DR SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $530 | — | $530 | 1.47% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.75% |
| RCH BENEFITS ADVISORS3 Filed as: RCH BENEFIT ADVISORS | 66 LAKE FOREST DR SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $300 | — | $300 | 1.25% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $272 | $272 | 1.13% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC | 340 S PINE STREET SPARTANBURG, SC 293022617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.76% |
| THE BENEFIT COMPANY INC5 | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.59% |
| RCH BENEFITS ADVISORS3 Filed as: RCH BENEFIT ADVISORS | 66 LAKE FOREST DR SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $249 | — | $249 | 1.25% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.