| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT EXPRESS SERVICES LLC5 Filed as: BENEFIT EXPRESS SERVICES, LLC | PO BOX 2663 FARGO, ND 58108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $781K | $781K | 18.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $104K | $104K | 2.52% |
| WEX HEALTH, INC.3 | 82 HOPMEADOW STREET, SUITE 220 SIMSBURY, CT 06089 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136K | $0 | $136K | 9.74% |
| USI INSURANCE SERVICES LLC3 | 2502 ROCKY POINT DRIVE, SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86K | $0 | $86K | 6.16% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $729 | $0 | $729 | 9.85% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 NORTH WHITE HORSE PIKE, SUITE 2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $11 | $23 | 3.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC. | 4880 NEWBERRY ROAD GAINESVILLE, FL 32607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 2.03% |
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 | 10,201 | 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) | 10,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 573 | $1.4M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,461 | $5.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,461 | $4.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9,461 | $4.1M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10,201 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,201 | — |
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.