| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| RJK & ASSOCIATES INC5 Filed as: RJK & ASSOCIATES | 1800 PEACHTREE STREET NW SUITE 605 ATLANTA, GA 30309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.13% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $842 | $842 | 2.07% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $352 | $352 | 0.91% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $519 | $519 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $186 | $186 | 1.79% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $831 | $0 | $831 | 10.00% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $416 | $416 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $152 | $152 | 1.83% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $688 | $0 | $688 | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $229 | $229 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $92 | $92 | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $48K |
| RSC INSURANCE BROKERAGE INC BROKER | Insurance agents and brokers Service code 22 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | $10K |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $39K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $41K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.