| 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 | $11K | $10K | $21K | 18.47% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 18.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 17.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 700 AIRPORT BLVD SUITE 300 BURLINGAME, CA 94010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.37% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $3K | $25K | 38.23% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 2 BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $289 | $12K | 18.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 21.65% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 83.70% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY STREET NE ATLANTA, GA 30306 | TRUSTMARK INSURANCE COMPANY | $975 | $0 | $975 | 9.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $209K |
| RSC INSURANCE BROKERAGE INC EIN 16-1689464 BROKER | Insurance agents and brokers Service code 22 | — | $78K |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $115K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $67K |
| Stop-loss / reinsurancereinsurance | BEYONDRE-CRUM & FORSTER- US FIRE INS | 252 | $497K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.