| 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 | $2K | $14K | 14.04% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.81% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 8.31% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.88% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 6.31% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.21% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.29% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.86% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 22.55% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.03% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 28.97% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $847 | $847 | 2.64% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $772 | $5K | 29.61% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $514 | $514 | 3.07% |
| TFG FINANCIAL GROUP BENEFITS LLC3 | 806 BROOK HOLLOW DR SHREVEPORT, LA 711055637 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $783 | $5K | 29.70% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $522 | $522 | 3.14% |
| 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 | — | $42K |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $103K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $49K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.