| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $430 | $11K | 14.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.32% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $334 | $7K | 9.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $608 | — | $608 | 0.87% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $214 | $3K | 14.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $985 | $985 | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $285 | — | $285 | 1.32% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $146 | $3K | 14.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $805 | $805 | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $225 | — | $225 | 1.28% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $115 | $2K | 14.68% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $537 | $537 | 4.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $153 | — | $153 | 1.30% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $104 | $2K | 19.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $455 | $455 | 4.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $169 | — | $169 | 1.70% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $870 | $80 | $950 | 19.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $217 | $217 | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $83 | — | $83 | 1.74% |
| BLUESTONE ADVISORS LLC3 | 3333 WARRENVILLE ROAD SUITE 155 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $316 | $24 | $340 | 14.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $105 | $105 | 4.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DRIVE SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29 | — | $29 | 1.26% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $22K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.