| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL & CO. | 600 PUTNAM PIKE GREENVILLE, RI 02828 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $25K | $51K | 4.30% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $179 | $179 | 0.02% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE | $1K | — | $1K | 7.14% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHARLOTTE, NC | 40 WEST BROAD STREET SUITE 210 GREENVILLE, SC 29601 | EYEMED VISION CARE | $419 | — | $419 | 2.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1405 DAVIS AVENUE ENDWELL, NY 13760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $907 | — | $907 | 5.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $771 | $771 | 4.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $646 | — | $646 | 4.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $161 | $161 | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1405 DAVIS AVENUE ENDWELL, NY 13760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.26% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $938 | — | $938 | 6.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $741 | $741 | 5.33% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $154 | $154 | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1405 DAVIS AVENUE ENDWELL, NY 13760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $585 | — | $585 | 6.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $474 | $474 | 4.91% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $382 | — | $382 | 3.95% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $99 | $99 | 1.02% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $1.2M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $14K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.