| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIKE DENDY3 | 5352 LACOSTA LANE ALPHARETTA, GA 30022 | US BENEFITS INSURANCE SERVICE LLC | $8K | $0 | $8K | 2.46% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING INC | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | DELTA DENTAL OF TENNESSEE | $867 | $10K | $11K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 19.53% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $752 | $752 | 1.19% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $740 | $0 | $740 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 19.82% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $584 | $0 | $584 | 1.41% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $538 | $538 | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.25% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | $0 | $463 | 1.24% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $428 | $428 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 24.06% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $432 | $0 | $432 | 1.78% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $295 | $295 | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.12% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $330 | $330 | 1.54% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $269 | $0 | $269 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 23.81% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $336 | $0 | $336 | 1.74% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $223 | $223 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.44% |
| CAPSTONE BENEFITS CONSULTING LLC3 | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $303 | $0 | $303 | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $444 | $2K | 19.45% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $92 | $92 | 1.16% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 841 BUCKHEAD DRIVE SUITE 2 STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $91 | $0 | $91 | 1.15% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US BENEFITS INSURANCE SERVICE LLC | 0 | $325K |
| Dental | DELTA DENTAL OF TENNESSEE | 326 | $108K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 658 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $63K |
| Prescription drug | US BENEFITS INSURANCE SERVICE LLC | 0 | $325K |
| Stop-loss / reinsurancereinsurance | US BENEFITS INSURANCE SERVICE LLC | 0 | $325K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.