| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.03% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $864 | $864 | 5.10% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | — | $751 | $751 | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $554 | $554 | 5.10% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 13.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $848 | — | $848 | 9.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - TAMPA FL | — | EYE MED | $111 | — | $111 | 1.56% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 137 | $85K |
| Vision | EYE MED | 121 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 147 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $22K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 147 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.