| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENN DUNN INSURANCE3 | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 274552604 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 3.18% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.95% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE SUITE 300 ST PETERSBURG, FL 337013699 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 274552604 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.67% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOC INS INC | 9067 BELCHER RD N PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.58% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOC INS INC | 9067 BELCHER RD N PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $926 | $0 | $926 | 5.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $232 | $232 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.55% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOC INS INC | 9067 BELCHER RD PINELLAS PARK, FL 33782 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $809 | $0 | $809 | 5.44% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $202 | $202 | 1.36% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOC INS INC | 9067 BELCHER RD PINELLAS PARK, FL 33782 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | $0 | $178 | 1.25% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 138 | $707K |
| Dental | HUMANA INSURANCE COMPANY | 142 | $52K |
| Vision | HUMANA INSURANCE COMPANY | 142 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $17K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.