| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 11.00% |
| MICHAEL BARRY LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $967 | — | $967 | 5.00% |
| MICHAEL LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 11.00% |
| MICHAEL LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MICHAEL LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $975 | $975 | 11.00% |
| MICHAEL LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MICHAEL LOVE3 | 3333 LEE PARKWAY DALLAS, TX 75219 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $541 | — | $541 | 11.16% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SERVICES INC | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $87 | — | $87 | 1.80% |
| MICHAEL LOVE3 | 5 RIVIERA COURT TROPHY CLUB, TX 76262 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $528 | — | $528 | 15.00% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $387 | $387 | 10.99% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 340 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $17K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.