| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $4K | $8K | 5.07% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $0 | $4K | 2.42% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $5K | $5K | $11K | 10.21% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $5K | $0 | $5K | 4.94% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $5K | $6K | $11K | 10.57% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $5K | $0 | $5K | 4.94% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $2K | $4K | 10.56% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $0 | $2K | 4.91% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $2K | $3K | 9.95% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $0 | $2K | 5.18% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $1K | $2K | 10.25% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $0 | $1K | 4.90% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $800 | $2K | 12.44% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $1K | $0 | $1K | 7.43% |
| RACHAEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $802 | $594 | $1K | 14.07% |
| EBC, INC.3 Filed as: EBC HOLDINGS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE CO. | $687 | $0 | $687 | 6.92% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE CO. | 227 | $161K |
| Vision | UNITED OF OMAHA LIFE INSURANCE CO. | 208 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 287 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 287 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 287 | $103K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 287 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.