| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $42K | — | $42K | 8.68% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $16K | $6K | $23K | 4.60% |
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $50K | — | $50K | 15.26% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $28K | $6K | $34K | 10.23% |
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $19K | — | $19K | 10.02% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $9K | $2K | $11K | 5.99% |
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 11.52% |
| THRELKED BENEFITS PARTNERS LLC3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.48% |
| CARLISLE-LYNCH, LLC5 Filed as: CARLISLE-LYNCH LLC | 208 HEWITT DR STE 103-339 WACO, TX 76712 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.20% |
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.74% |
| THRELKED BENEFITS PARTNERS LLC3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.26% |
| CARLISLE-LYNCH, LLC5 Filed as: CARLISLE-LYNCH LLC | 208 HEWITT DR STE 103-339 WACO, TX 76712 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.20% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | — | $2K | $2K | 2.50% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $5K | $2K | $8K | 9.77% |
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INUSRANCE COMPANY | $7K | — | $7K | 8.44% |
| RACHEL BAGWELL MEANS3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 8.80% |
| THRELKED BENEFITS PARTNERS LLC3 | 2367 OAK ALY TYLER, TX 75703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.20% |
| CARLISLE-LYNCH, LLC5 Filed as: CARLISLE-LYNCH LLC | 208 HEWITT DR STE 103-339 WACO, TX 76712 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.20% |
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 | 1,953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INUSRANCE COMPANY | 1,794 | $518K |
| Short-term disability | UNITED OF OMAHA LIFE INUSRANCE COMPANY | 1,911 | $490K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INUSRANCE COMPANY | 553 | $159K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INUSRANCE COMPANY | 1,794 | $831K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,911 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.