| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.50% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $917 | $284 | $1K | 3.27% |
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $719 | $2K | 7.13% |
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $430 | $2K | 6.54% |
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.25% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $795 | $270 | $1K | 5.02% |
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $628 | $0 | $628 | 7.50% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $209 | $110 | $319 | 3.81% |
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $581 | $0 | $581 | 7.50% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $194 | $138 | $332 | 4.29% |
| WATSON AND KNOX INC3 | 139 MAIN ST PO BOX 539 THOMSON, GA 30824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $732 | $0 | $732 | 11.25% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $244 | $102 | $346 | 5.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 PLAN/CLAIMS ADMINISTRATOR | Plan Administrator; Contract Administrator; Claims processing Service code 12 | — | $13K |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $37K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $28K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.