| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $64K | $64K | 5.75% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $526 | $4K | 5.70% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $602 | $602 | 0.80% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.70% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.29% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $515 | $515 | 2.35% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.60% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.53% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $593 | $593 | 2.80% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $993 | $4K | 20.12% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $497 | $497 | 2.57% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.93% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK ROAD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.37% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $565 | $565 | 2.96% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.95% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $682 | $3K | 20.29% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $341 | $341 | 2.65% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 212 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $40K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.