| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 13389 JACKSON, MS 39236 | UNITED HEALTHCARE INSURANCE CO | $16K | — | $16K | 8.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 13389 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE CO. | $10K | $7K | $17K | 13.07% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE CO. | $9K | $3K | $12K | 9.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE CO. | $8K | $6K | $14K | 12.90% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE CO. | $9K | $3K | $11K | 10.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $2K | $6K | 13.48% |
| EMERSON REID LLC3 Filed as: EMERSON REIS LLC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | $1K | $4K | 9.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | $2K | $5K | 11.65% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | — | $4K | 8.48% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCON PAYROLL LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $3K | $3K | 7.11% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 23289 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | $2K | $5K | 12.14% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $3K | $3K | 9.01% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE CO. | $3K | — | $3K | 7.79% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1020 HIGHLAND COLONY PKWY, STE 302 RIDGELAND, MS 39157 | FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 4.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 9100 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | GUARDIAN | $4K | — | $4K | 21.44% |
| EMERSON REID LLC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | GUARDIAN | $2K | — | $2K | 12.63% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | 795 WOODLANDS PARKWAY RIDGELAND, MS 39157 | $192K |
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 | 278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 278 | $202K |
| Dental | UNITED HEALTHCARE INSURANCE CO | 278 | $202K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO | 466 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 398 | $151K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 398 | $47K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 391 | $165K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 112 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
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.