| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $19K | $19K | 5.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $18K | $18K | 4.82% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 4.51% |
| KENNETH SUITER3 Filed as: KENNETH DEAN SUTTER | 6804 ALCOVE LANE PLANO, TX 75024 | AFLAC | $11K | $723 | $11K | 4.40% |
| DONNA SHAW3 | 4811 KOEHLER RD ERIE, PA 16510 | AFLAC | $2K | $139 | $2K | 0.90% |
| DEBORAH A KRUMP3 | 1407 33RD ST S STE 107 SAINT CLOUD, MN 56301 | AFLAC | $2K | $215 | $2K | 0.80% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | AFLAC | $2K | $119 | $2K | 0.76% |
| DEBORAH A KRUMP3 | 1407 33RD ST S STE 1098 SAINT CLOUD, MN 56301 | AFLAC | $1K | $16 | $2K | 0.58% |
| JAIME I VILLASANA3 | 101 SHELF ROCK RD GEORGETOWN, TX 78628 | AFLAC | $802 | $66 | $868 | 0.33% |
| KRISTI KIM GOODELL3 | 10017 E MOUNTAIN VIEW RD UNIT 1074 SCOTTSDALE, AZ 85258 | AFLAC | $557 | — | $557 | 0.21% |
| MARY PAGE3 | PO BOX 679 ALVARADO, TX 76009 | AFLAC | $520 | — | $520 | 0.20% |
| JESSE RIOJAS3 | 728 E COPANO ST MATHIS, TX 78368 | AFLAC | $386 | $120 | $506 | 0.19% |
| RONALD PUSZ3 Filed as: RONALD W PUSZ | 18282 TECHNOLOGY DR STE 205 MEADVILLE, PA 16335 | AFLAC | $479 | — | $479 | 0.18% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $432 | — | $432 | 0.17% |
| ALFONSO ANDAPIA3 | 1560 HOLDER RD WAXAHACHIE, TX 75165 | AFLAC | $317 | $69 | $386 | 0.15% |
| MICHAEL B DUECY3 | 200 MOURNING DOVE LN BUDA, TX 78610 | AFLAC | $364 | — | $364 | 0.14% |
| KARGES BENEFITS CONSULT GROUP LLC3 | 7750 BLAZY RD EDINBORO, PA 16412 | AFLAC | $301 | $28 | $329 | 0.13% |
| TERRY MICHAEL LAXSON3 | 2028 E BEN WHITE BLVD STE 235 AUSTIN, TX 78741 | AFLAC | $234 | $66 | $300 | 0.11% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVE CLEAR LAKE, MN 55319 | AFLAC | $293 | $4 | $297 | 0.11% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $288 | — | $288 | 0.11% |
| RACHEL F JASCHKE3 | 2033 PEACH DR NE SAUK RAPIDS, MN 56379 | AFLAC | $229 | $50 | $279 | 0.11% |
| RONALD DIETL3 Filed as: RONALD S DIETL | 14087 BANK ST STE 6 BECKER, MN 55308 | AFLAC | $268 | — | $268 | 0.10% |
| CAROL J HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $199 | $53 | $252 | 0.10% |
| CHARLES E ALEXANDER3 | 2705 EMPY TRL CONWAY, AR 72034 | AFLAC | $218 | — | $218 | 0.08% |
| BILLY M CRAIN3 | 1026 RHODES LN BROOKVILLE, PA 15825 | AFLAC | $195 | — | $195 | 0.07% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $187 | — | $187 | 0.07% |
| DOROTHY CIMBANIN3 | PO BOX 227 JARRELL, TX 76537 | AFLAC | $182 | — | $182 | 0.07% |
| MALLORY D AITCHISON3 | 2203 PIONEER CT NW EAST GRAND FORKS, MN 56721 | AFLAC | $125 | $53 | $178 | 0.07% |
| CLEMENT DANIEL II3 | PO BOX 304562 ST THOMAS, VI 00803 | AFLAC | $170 | — | $170 | 0.07% |
| JASON MARONEY3 | PO BOX 841 INGRAM, TX 78025 | AFLAC | $162 | — | $162 | 0.06% |
| MANUEL A MADRID3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $156 | $4 | $160 | 0.06% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIR NEW BRAUNFELS, TX 78132 | AFLAC | $157 | — | $157 | 0.06% |
| DAWN D STILLWELL3 | 135 S SAGE HOLW DRIPPING SPRINGS, TX 78620 | AFLAC | $138 | — | $138 | 0.05% |
| LAXSON BENEFITS LLC3 | 2028 E BEN WHITE BLVD STE 235 AUSTIN, TX 78741 | AFLAC | $136 | — | $136 | 0.05% |
| ANGEL SAUCEDO3 | 10001 S 1ST ST APT 822 AUSTIN, TX 78748 | AFLAC | $135 | — | $135 | 0.05% |
| MICHELLE K WILLEY3 | 122 E MAIN ST STE 185 LAKELAND, FL 33801 | AFLAC | $134 | — | $134 | 0.05% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $133 | — | $133 | 0.05% |
| STEVEN S. RODRIGUES3 Filed as: STEVEN S RODRIGUES | 57 MEADOW LARK DR CRANSTON, RI 02921 | AFLAC | $122 | — | $122 | 0.05% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY FATE, TX 75087 | AFLAC | $121 | — | $121 | 0.05% |
| CHRISTIAN M KRUEGER3 | 2633 FAIRWOOD DR NEW BRAUNFELS, TX 78132 | AFLAC | $121 | — | $121 | 0.05% |
| DEBORAH L RANSDELL3 | 383 ROCKY RIDGE TRL APT 9309 AUSTIN, TX 78737 | AFLAC | $118 | — | $118 | 0.05% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $90 | $28 | $118 | 0.05% |
| TODD H BURRER3 | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $115 | — | $115 | 0.04% |
| TERRY E ANDERSON3 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $113 | — | $113 | 0.04% |
| RONALD DIETL3 Filed as: RONALD S DIETL | PO BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $103 | — | $103 | 0.04% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $94 | — | $94 | 0.04% |
| DONALD JEFFREY BYNUM3 | 1105 HUNTRIDGE CIR AUSTIN, TX 78758 | AFLAC | $91 | — | $91 | 0.03% |
| DARBY A BAER3 | 5025 W BUCKSKIN DR ELOY, AZ 85131 | AFLAC | $88 | — | $88 | 0.03% |
| MELISSA B BOYLE3 | 4125 E WILDWOOD DR PHOENIX, AZ 85048 | AFLAC | $70 | — | $70 | 0.03% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $67 | — | $67 | 0.03% |
| NICHOLAS CALARCO3 | 162 YORK ST AUBURN, NY 13021 | AFLAC | $65 | — | $65 | 0.02% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $62 | — | $62 | 0.02% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $58 | — | $58 | 0.02% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $58 | — | $58 | 0.02% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $55 | — | $55 | 0.02% |
| RAYMOND J. MULLIGAN3 Filed as: RAYMOND J MULLIGAN | 8765 W KELTON LN BLDG B1 PEORIA, AZ 85382 | AFLAC | $53 | — | $53 | 0.02% |
| RICHARD H NASH3 | 6503 MISSY DR DALLAS, TX 75252 | AFLAC | $46 | — | $46 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $45 | — | $45 | 0.02% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $45 | — | $45 | 0.02% |
| DAVID A. GAMACHE3 Filed as: DAVID A GAMACHE | 90 WATERWHEEL LN NORTH KINGSTOWN, RI 02852 | AFLAC | $45 | — | $45 | 0.02% |
| JACOB CRESTON VAUGHAN3 | 2929 WYCLIFF AVE APT 2155 DALLAS, TX 75219 | AFLAC | $44 | — | $44 | 0.02% |
| DAVID ALAN OZOWSKI3 | 7108 OCCIDENTAL RD PLANO, TX 75025 | AFLAC | $41 | — | $41 | 0.02% |
| MARIA MULLIGAN3 | 15131 W DYNAMITE BLVD SUN CITY WEST, AZ 85387 | AFLAC | $39 | — | $39 | 0.01% |
| THE MADRID AGENCY INC3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $39 | — | $39 | 0.01% |
| SUSAN M KARGES3 | 7750 BLAZY RD EDINBORO, PA 16412 | AFLAC | $34 | — | $34 | 0.01% |
| PATRICA A ROGOSHESKE3 | 13580 TECHNOLOGY DR APT 3220 EDEN PRAIRIE, MN 55344 | AFLAC | $33 | — | $33 | 0.01% |
| JACOB C ECHOLS3 | 3850 E BASELINE RD STE 116 MESA, AZ 85205 | AFLAC | $32 | — | $32 | 0.01% |
| WILLIAM H KIRK3 | 110 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $32 | — | $32 | 0.01% |
| MARK K HASLEY3 | 20905 W COURT ST BUCKEYE, AZ 85396 | AFLAC | $29 | — | $29 | 0.01% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $29 | — | $29 | 0.01% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $24 | — | $24 | 0.01% |
| TRAVIS L WILLEY3 | 673 17TH ST S SARTELL, MN 56377 | AFLAC | $22 | — | $22 | 0.01% |
| BRIAN W PATTEN2 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $22 | — | $22 | 0.01% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $22 | — | $22 | 0.01% |
| LINDA G INKS3 | 1824 N OAKHILL RD BETHANY, OK 73008 | AFLAC | $21 | — | $21 | 0.01% |
| CYNDE DAVIS3 | 319 W MAIN ST DENISON, TX 75020 | AFLAC | $21 | — | $21 | 0.01% |
| MARK S TAGLIAFERRI3 | 4 LEIGHAS LN COVENTRY, RI 02816 | AFLAC | $20 | — | $20 | 0.01% |
| AMANDA MCCANN POTTER3 | 911 N MIDKIFF RD MIDLAND, TX 79701 | AFLAC | $20 | — | $20 | 0.01% |
| AMANDA C LONG3 | 107 HIDDEN OAKS DR MARS, PA 16046 | AFLAC | $19 | — | $19 | 0.01% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DR APT 916 BOCA RATON, FL 33486 | AFLAC | $19 | — | $19 | 0.01% |
| SCOTT WOOD3 Filed as: SCOTT J KOSTEL | 9566 E WINDROSE DR SCOTTSDALE, AZ 85260 | AFLAC | $18 | — | $18 | 0.01% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $18 | — | $18 | 0.01% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $18 | — | $18 | 0.01% |
| MISTY D SHARP3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $17 | — | $17 | 0.01% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $17 | — | $17 | 0.01% |
| BRYAN G CORBIN LLC3 | 6950 SW HAMPTON ST STE 260 TIGARD, OR 97223 | AFLAC | $17 | — | $17 | 0.01% |
| JENNIFER J JONES3 | 11701 W STATE STREET RD BROOKVILLE, KS 67425 | AFLAC | $17 | — | $17 | 0.01% |
| TIMOTHY KNEIDEL3 | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $17 | — | $17 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $16 | — | $16 | 0.01% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $16 | — | $16 | 0.01% |
| RAFAEL DA SILVA PORTO3 | 1955 MARKET CENTER BLVD APT 2308 DALLAS, TX 75207 | AFLAC | $16 | — | $16 | 0.01% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | AFLAC | $15 | — | $15 | 0.01% |
| CLAIRE B WALDRON3 | PO BOX 210 CONNEAUT LAKE, PA 16316 | AFLAC | $15 | — | $15 | 0.01% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN TODD KAUFFMAN3 | 3009 WILMINGTON RD NEW CASTLE, PA 16105 | AFLAC | $13 | — | $13 | 0.00% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $13 | — | $13 | 0.00% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $12 | — | $12 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $12 | — | $12 | 0.00% |
| RAND G SIMKINS3 | 1609 THOMPSON DR CARROLLTON, TX 75010 | AFLAC | $11 | — | $11 | 0.00% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $11 | — | $11 | 0.00% |
| MARK K HASLEY3 | 21732 N 86TH DR PEORIA, AZ 85282 | AFLAC | $10 | — | $10 | 0.00% |
| JOE A DEPASQUAL3 | 814 HILLTOP DR WEATHERFORD, TX 76086 | AFLAC | $10 | — | $10 | 0.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 1250 TOWER LN ERIE, PA 16505 | AFLAC | $9 | — | $9 | 0.00% |
| GERHARD K GAISER3 | PO BOX 3363 ERIE, PA 16508 | AFLAC | $9 | — | $9 | 0.00% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $8 | — | $8 | 0.00% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $8 | — | $8 | 0.00% |
| ERNEST ANDREW GOVEA3 | 321 BOIS DARC ST LOCKHART, TX 78644 | AFLAC | $8 | — | $8 | 0.00% |
| CRAIG R TURNER3 | 210 E INTERSTATE 30 STE 320 GARLAND, TX 75043 | AFLAC | $8 | — | $8 | 0.00% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $6 | — | $6 | 0.00% |
| CHAD T NEVINS3 | 11811 N TATUM BLVD STE P129 PHOENIX, AZ 85028 | AFLAC | $6 | — | $6 | 0.00% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $6 | — | $6 | 0.00% |
| KEVIN WRONA3 Filed as: KEVIN M WRONA | 9740 CEDARWOOD DR NORTH ROYALTON, OH 44133 | AFLAC | $6 | — | $6 | 0.00% |
| JOSEPH MANGANO3 | 6100 OAK TREE BLVD STE 200 INDEPENDENE, OH 44131 | AFLAC | $5 | — | $5 | 0.00% |
| LORI OLSON3 | 5280 ANNAPOLIS LN N APT 3324 MINNEAPOLIS, MN 55446 | AFLAC | $5 | — | $5 | 0.00% |
| JAY T REX3 | 923 ELECTRA LAKEWAY, TX 78734 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $4 | — | $4 | 0.00% |
| DENNIS L HULSE3 | 240 PARALLEL ST PLEASANTVILLE, PA 16341 | AFLAC | $4 | — | $4 | 0.00% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $4 | — | $4 | 0.00% |
| TRACI J MOORE3 | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $4 | — | $4 | 0.00% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES G BRANDT3 | 47 MARVIN ST PORT MATILDA, PA 16870 | AFLAC | $3 | — | $3 | 0.00% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $3 | — | $3 | 0.00% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $3 | — | $3 | 0.00% |
| A MORROW VENTURES LLC3 | 851 INTERNATIONAL PKWY STE 120 RICHARDSON, TX 75081 | AFLAC | $3 | — | $3 | 0.00% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $3 | — | $3 | 0.00% |
| SARAH L PAVLOVICH3 | 2575 MEDINA RD STE 1 MEDINA, OH 44256 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFERY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $2 | — | $2 | 0.00% |
| LAUREL L HARLOW3 | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.00% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $2 | — | $2 | 0.00% |
| LESLIE REX3 | 4405 MERRIMAN DR PLANO, TX 75074 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 3989 W ORANGEWOOD DR TUCSON, AZ 85741 | AFLAC | $2 | — | $2 | 0.00% |
| RAMIN BAHAR3 | 29 APRIL LN NANUET, NY 10954 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | 16141 HOWE RD STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN J RYAN3 | 290 LAURA BLVD NORWICH, CT 06360 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIN J QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $561K |
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 | 1,407 | 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) | 1,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 975 | $829K |
| Vision | VISION SERVICE PLAN | 805 | $123K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,407 | $379K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,407 | $379K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,407 | $379K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 11,192 | $810K |
| Other(2 contracts, 2 carriers) | AFLAC | 251 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.