| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SVCS | 1 PARK PLAZA, SUITE 400 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPAMY | $12K | $2K | $13K | 11.28% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FIN SVCS INC | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPAMY | $2K | $105 | $3K | 2.13% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SVCS | 1 PARK PLAZA, SUITE 400 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $595 | $3K | 12.61% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FIN SVCS INC. | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $457 | $41 | $498 | 2.22% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SVCS | 1 PARK PLAZA, SUITE 400 IRVINE, CA 92614 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 11.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | -$192 | -$192 | -1.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | — | $505 | $505 | 8.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $198 | — | $198 | 3.39% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SVCS | 1 PARK PLAZA, SUITE 400 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $198 | — | $198 | 3.39% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPAMY | 199 | $120K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $22K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 267 | $17K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 267 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.