| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | ARKANSAS BLUE CROSS AND BLUE SHIELD | — | $221K | $221K | 4.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $24K | — | $24K | 10.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 12.17% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLAZA DR, 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 8.12% |
| EOI SERVICE COMPANY INC6 Filed as: EOI SERVICE CO INC | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.78% |
| EOI SERVICE COMPANY INC5 Filed as: EOI SERVICE CO INC | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 9.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.27% |
| EOI SERVICE COMPANY INC5 Filed as: EOI SERVICE CO INC | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 11.19% |
| FMLASOURCE INC3 Filed as: FMLASOURCE | 455 N CITYFRONT PLAZA DR, 13TH FL CHICAGO, IA 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16K | $16K | 63.68% |
| EOI SERVICE COMPANY INC5 Filed as: EOI SERVICE CO INC | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 21.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $861 | $5K | 18.33% |
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 | 896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 844 | $4.6M |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 791 | $239K |
| Vision | ARKANSAS BLUE CROSS AND BLUE SHIELD | 658 | $84K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 909 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $211K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $50K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 844 | $4.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 909 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.