| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONE STAR BENEFITS INC3 | 8721 5TH ST FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $13K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.67% |
| LONE STAR BENEFITS INC3 | 8721 5TH STREET FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $925 | $4K | 13.59% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $581 | $0 | $581 | 2.01% |
| LONE STAR BENEFITS INC3 | 8721 5TH STREET FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 16.27% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $675 | $0 | $675 | 2.57% |
| LONE STAR BENEFITS INC3 | 8721 5TH STREET FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $811 | $3K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $546 | $0 | $546 | 2.58% |
| LONE STAR BENEFITS INC3 | 8721 5TH STREET FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $761 | $2K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $306 | $0 | $306 | 1.59% |
| LONE STAR BENEFITS INC3 | 8721 5TH ST FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $264 | $1K | 15.65% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $210 | $0 | $210 | 2.52% |
| LONE STAR BENEFITS INC3 | 8721 5TH STREET FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $828 | $258 | $1K | 16.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $169 | $0 | $169 | 2.54% |
| LONE STAR BENEFITS INC3 | 8721 5TH ST FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $719 | $224 | $943 | 16.51% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $138 | $0 | $138 | 2.42% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $125K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $36K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.