| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $15K | 13.09% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $514 | $514 | 0.44% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 10.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $552 | $552 | 0.97% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | — | $391 | 0.68% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $4K | $5K | 9.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $513 | $513 | 0.97% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $272 | — | $272 | 0.51% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 10.06% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $492 | $492 | 0.96% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | — | $349 | 0.68% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.43% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $380 | $380 | 0.92% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 28.41% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $321 | $321 | 0.98% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 27.13% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $769 | — | $769 | 4.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $166 | $166 | 0.89% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 27.42% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $750 | — | $750 | 4.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $168 | $168 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $137K |
| TFG FINANCIAL GROUP BENEFITS LLC EIN 61-1588503 BROKER | Other commissions Service code 55 | — | $39K |
| GILSBAR GROUP BENEFITS LLC EIN 85-3411140 BROKER | Other commissions Service code 55 | — | $8K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $116K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $51K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.