| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $10K | $24K | 10.91% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.08% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $534 | $0 | $534 | 6.90% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 1.32% |
| CRYSTAL ROSA VERTREES3 Filed as: CRYSTAL R. VENTREES | 950 NORTH MULBERRY STREET SUITE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.87% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN E. SVARDA | 6680 POE AVENUE, SUITE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.40% |
| KYLE RUSSEY Filed as: KYLE D. DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.37% |
| OLIVIA K ELLIOTT3 Filed as: OLIVIA K. ELLIOT | 13455 GRAHAM YARDEN DRIVE RIVERVIEW, FL 33579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN & VARIOUS AGENTS | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.03% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $223K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $223K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $223K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $223K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $223K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.