| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.12% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.78% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 24.17% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC. | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.80% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 0.58% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN E. SVARDA | 140 WOLF CREEK COURT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.24% |
| CRYSTAL ROSA VERTREES3 Filed as: CRYSTAL R. VERTREES | 950 NORTH MULBERRY STREET SUITE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.22% |
| KYLE RUSSEY3 Filed as: KYLE D. DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.17% |
| MJ INSURANCE3 Filed as: OLIVIA ELLIOT AND VARIOUS AGENTS | 13455 GRAHAM YARDEN DRIVE RIVERVIEW, FL 33579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.13% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $237K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $237K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $237K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $237K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $237K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.