| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 9.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BUILDING 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.03% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.99% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BUILDING 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.28% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.86% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $985 | $1K | $2K | 7.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $985 | $985 | 2.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BLD 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $691 | — | $691 | 2.06% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $708 | $3K | 18.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BUILDING 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.56% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $506 | $506 | 2.89% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $936 | $579 | $2K | 9.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BUILDING 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $646 | — | $646 | 4.08% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $468 | $468 | 2.96% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $794 | $407 | $1K | 9.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BUILDING 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $527 | — | $527 | 3.99% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $397 | $397 | 3.01% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $515 | $2K | 18.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BUILDING 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.54% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $372 | $372 | 2.89% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER ROAD SUITE 300 HOUSTON, TX 77024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $434 | $2K | 16.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. D/B/A HEALTHSURE | 5900 SOUTHWEST PARKWAY BLDV 2 SUITE 200 AUSTIN, TX 78735 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $823 | — | $823 | 8.04% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $306 | $306 | 2.99% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $34K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.