| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD, UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67K | $4K | $70K | 5.28% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD, UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $20K | $29K | 3.14% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD, UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $20K | $25K | 4.91% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $20K | $29K | 6.11% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $18K | $51K | 14.18% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD, UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $7K | $31K | 12.76% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | $7K | $48K | 23.27% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $4K | $33K | 22.90% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS, LLC | 400 OCEAN BLVD UNIT 1104 ST SIMONS ISLAND, GA 31522 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 23.34% |
| LIGHTHOUSE BENEFIT ADVISORS LLC3 Filed as: LIGHTHOUSE BENEFIT ADVISORS | 400 OCEAN BLVD STE 1104 ST. SIMONS ISLAND, GA 31522 | TRUSTMARK INSURANCE COMPANY | $32K | $0 | $32K | 50.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 22 INVERNESS CENTER PKWY SUITE 140 BIRMINGHAM, AL 35242 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 11.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 12.00% |
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 | 2,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $1.3M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,543 | $245K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,151 | $903K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,148 | $935K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,655 | $514K |
| Other(13 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,282 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,282 | — |
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.