| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $17K | 15.03% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTERGITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.71% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.29% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTERGITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.72% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $931 | $931 | 1.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTERGITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.76% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 925 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $900 | $900 | 1.24% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $261 | $11K | 15.98% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 2 BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $129 | $6K | 9.33% |
| JAMES SNOW3 | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 13.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.24% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $887 | $887 | 3.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | PO BOX 736061 CHICAGO, IL 60673 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 29.18% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY STREET NE ATLANTA, GA 30306 | TRUSTMARK INSURANCE COMPANY | $274 | $0 | $274 | 3.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $281K |
| RSC INSURANCE BROKERAGE INC EIN 16-1689464 BROKER | Insurance agents and brokers Service code 22 | — | $77K |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $116K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $72K |
| Stop-loss / reinsurancereinsurance | SKYWARD INSURANCE | 0 | $567K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.