| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $114K | $25K | $139K | 18.26% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.72% |
| MATTHEW STEVEN REDNOUR3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.71% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.36% |
| BRADDEN PROBST3 Filed as: BRADDEN JOHN PROBST | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.17% |
| ERIN BRZOZOWSKI, INC.3 | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.02% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS AND ASSOCIATES, INC. | UNKNOWN RIVERDALE, IA 52722 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3151 BRIAPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | UNIFIED LIFE INSURANCE COMPANY | $200 | $0 | $200 | 1.00% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIFIED LIFE INSURANCE COMPANY | 4 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $759K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $759K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $759K |
| Prescription drug | UNIFIED LIFE INSURANCE COMPANY | 4 | $20K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.