| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LMM CONSULTANTS3 Filed as: LMM CONSULTANTS LLC | 1717 WEST 34TH STREET SUITE 600-126 HOUSTON, TX 77018 | AMERITAS LIFE INSURANCE CORP. | $15K | — | $15K | 10.00% |
| LMM CONSULTANTS3 | 1717 WEST 34TH STREET SUITE 600-126 HOUSTON, TX 77018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| LMM CONSULTANTS3 | 1717 WEST 34TH STREET SUITE 600-126 HOUSTON, TX 77018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LMM CONSULTANTS3 | 1717 WEST 34TH STREET HOUSTON, TX 77018 | VISION SERVICE PLAN | $1K | — | $1K | 5.71% |
| LMM CONSULTANTS3 | 1717 WEST 34TH STREET SUITE 600-126 HOUSTON, TX 77018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $741 | — | $741 | 10.00% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 189 | $154K |
| Vision | VISION SERVICE PLAN | 189 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.