| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 5.82% |
| DONALD ROBERT LYONS3 | 2000 E LAMAR BLVD STE 370 ARLINGTON, TX 76006 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 4.18% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.07% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 6.68% |
| DONALD ROBERT LYONS3 | 2000 E LAMAR BLVD STE 370 ARLINGTON, TX 76006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.48% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.68% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $975 | $812 | $2K | 6.83% |
| DONALD ROBERT LYONS3 | 2000 E LAMAR BLVD STE 370 ARLINGTON, TX 76006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $418 | — | $418 | 1.60% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.09% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $745 | $696 | $1K | 6.64% |
| DONALD ROBERT LYONS3 | 2000 E LAMAR BLVD STE 370 ARLINGTON, TX 76006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $319 | — | $319 | 1.47% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.22% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $624 | $616 | $1K | 6.64% |
| DONALD ROBERT LYONS3 | 2000 E LAMAR BLVD STE 370 ARLINGTON, TX 76006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $268 | — | $268 | 1.44% |
| TRUENORTH COMPANIES LC3 | 2221 E LAMAR BLVD, STE 450 ARLINGTON, TX 76006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $805 | — | $805 | 6.35% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.69% |
| TRUENORTH COMPANIES LC3 | 2221 E LAMAR BLVD, STE 450 ARLINGTON, TX 76006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.78% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $312 | — | $312 | 2.67% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 248 | $159K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 248 | $159K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $22K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.