| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE3 Filed as: DIVERSIFIED BENEFITS | 11207 W DODGE RD STE 120 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 1.56% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 0.66% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 14216 DAYTON CIR STE 108 OMAHA, NE 68137 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.39% |
| DIVERSIFIED BENEFITS GROUP LLC3 Filed as: DIVERSIFIED BENEFITS GROUP, LLC | STE 240 11725 ARBOR ST OMAHA, NE 68144 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 7.77% |
| HARRY A KOCH CO3 Filed as: THE HARRY A KOCH CO INC | STE 300 14010 FNB PKWY OMAHA, NE 68154 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| DIVERSIFIED BENEFITS GROUP LLC3 Filed as: DIVERSIFIED BENEFITS GROUP | 11725 ARBOR STREET STE 240 OMAHA, NE 68144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.09% |
| DIVERSIFIED BENEFITS GROUP LLC3 Filed as: DIVERSIFIED BENEFITS GROUP, LLC | STE 240 11725 ARBOR ST OMAHA, NE 68144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.45% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $2.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 121 | $71K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 121 | $71K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $58K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.