| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RAY GRIFFIN3 Filed as: STEVEN WESLEY COX | — | NORTHWESTERN MUTUAL | $4K | $908 | $5K | 12.96% |
| SALAZAR FNCL GRP LLC3 | — | NORTHWESTERN MUTUAL | $692 | $83 | $775 | 2.23% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN WESLEY COX | — | NORTHWESTERN MUTUAL | $2K | $565 | $3K | 8.33% |
| SALAZAR FNCL GRP LLC3 | — | NORTHWESTERN MUTUAL | $426 | $51 | $477 | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.02% |
| JOHN R STONER ORGANIZATION INC3 | 700 CENTRAL AVE, STE 404 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $706 | $952 | $2K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LC | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 7.45% |
| HANEY, TED I3 | — | HUMANA INSURANCE COMPANY | $505 | — | $505 | 2.54% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 116 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $24K |
| Short-term disability | NORTHWESTERN MUTUAL | 138 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL | 138 | $35K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.