| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 818 TOWN AND COUNTRY BLVD STE HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROPU, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.23% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DR STE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $888 | $5K | 10.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.18% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 14011 PARK DR STE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $470 | $470 | 0.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DR STE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $294 | $3K | 9.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 14011 PARK DR STE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $265 | $265 | 0.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DR STE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $894 | $3K | 12.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.23% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 14011 PARK DR STE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $229 | $229 | 0.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DR STE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $936 | $3K | 14.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.83% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 14011 PARK DR STE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $852 | $852 | 4.56% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $189 | $189 | 1.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DR STE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $605 | $0 | $605 | 5.42% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 14011 PARK DR STE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $534 | $534 | 4.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $119 | $119 | 1.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES LLC | 3151 BRIARPARK DR STE 1220 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $612 | $0 | $612 | 9.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | $0 | $391 | 5.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 14011 PARK DR STE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $288 | $288 | 4.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.96% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 329 | $172K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 329 | $172K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $29K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.