| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 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 | — | $902 | $902 | 3.82% |
| 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 | — | $655 | $655 | 3.90% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | MAITLAND OFFICE 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | — | $624 | $624 | 3.82% |
| 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 | — | $437 | $437 | 3.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - TAMPA FL | — | EYE MED | $222 | — | $222 | 2.63% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 32.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $707 | — | $707 | 22.00% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 147 | $91K |
| Vision | EYE MED | 129 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 151 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $24K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 151 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.