| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32476 | HEALTH RESOURCES, INC. | $6K | $0 | $6K | 10.00% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $11K | 17.71% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.11% |
| ASSUREDPARTNERS4 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $119 | $0 | $119 | 7.61% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 153 | $64K |
| Vision | HEALTH RESOURCES, INC. | 153 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $60K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.