| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| OSGSWT LLC3 | 1001 MAIN ST LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $806 | $806 | 1.10% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 15.00% |
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| OSGSWT LLC3 | 1001 MAIN ST LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $691 | $691 | 2.07% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $7K | — | $7K | 22.91% |
| OSGSWT LLC3 Filed as: OSGSWT, LLC DBA INCORE GROUP | 1001 MAIN STREET SUITE 802 LUBBOCK, TX 79401 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.23% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 15.00% |
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| OSGSWT LLC3 | 1001 MAIN ST LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $352 | $352 | 1.76% |
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | VISION SERVICE PLAN | $521 | — | $521 | 2.99% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $87 | — | $87 | 0.50% |
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $617 | $617 | 5.00% |
| OSGSWT LLC3 | 1001 MAIN ST LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $301 | $301 | 2.44% |
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| OSGSWT LLC3 | 1001 MAIN ST STE 802 LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $222 | $222 | 1.81% |
| OSGSWT LLC3 | 4415 71ST ST STE 12 LUBBOCK, TX 79424 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| OSGSWT LLC3 | 1001 MAIN ST LUBBOCK, TX 79401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $200 | $200 | 2.43% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SWISS RE-SWISS RE | 86 | $406K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $73K |
| Vision | VISION SERVICE PLAN | 78 | $17K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $20K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 86 | $406K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
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.