| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 16.25% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.75% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.00% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $862 | $862 | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 16.25% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.75% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $820 | $820 | 2.00% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.00% |
| PSG WASHINGTON INC3 | PO BOX 387 EVERETT, WA 98206 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $645 | $645 | 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 | 851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 310 | $90K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 186 | $41K |
| Other(3 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 310 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.