| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AMERITAS LIFE INSURANCE CORPORATION | $19K | — | $19K | 16.25% |
| LAURENCE B TURELL3 | 5770 NW 39TH WAY BOCA RATON, FL 33496 | AMERITAS LIFE INSURANCE CORPORATION | $10K | — | $10K | 8.75% |
| FRANK P DOHERTY3 | 4 WICKLOW COURT WAYNE, PA 19087 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 2.00% |
| ERICM SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $198 | $6K | 16.86% |
| LAURENCE B TURELL3 Filed as: LAURENCE BENNETT TURELL | 5770 NW 39TH WAY BOCA RATON, FL 33496 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.76% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVENUE SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $670 | $670 | 2.00% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 270 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 382 | $115K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.