| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $19K | $0 | $19K | 10.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $6K | $6K | 3.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $636 | $636 | 0.33% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $25K | $0 | $25K | 20.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $2K | $2K | 2.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $816 | $816 | 0.65% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $11K | $0 | $11K | 20.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $1K | $1K | 2.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $361 | $361 | 0.65% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $10K | $0 | $10K | 20.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $1K | $1K | 2.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $353 | $353 | 0.69% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.27% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $6K | $0 | $6K | 20.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $2K | $2K | 5.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $162 | $162 | 0.51% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $0 | $4K | 15.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $3K | $3K | 10.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $180 | $180 | 0.65% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $0 | $4K | 15.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $3K | $3K | 10.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $184 | $184 | 0.72% |
| OSGSWT LLC3 | 4415 71ST ST., STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | $0 | $2K | 20.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD. 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $177 | $177 | 2.00% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN ST. STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE CO. | $0 | $55 | $55 | 0.62% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE CO. | 337 | $191K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 473 | $134K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 214 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 207 | $51K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 473 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.