| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $5K | — | $5K | 15.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $1K | — | $1K | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $622 | — | $622 | 2.00% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | PO BOX 45279 OMAHA, NE 68145 | AMERITAS LIFE INSURANCE CORP. | — | $395 | $395 | 1.38% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $3K | — | $3K | 15.01% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 14067 | ONEAMERICA | $844 | — | $844 | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $422 | — | $422 | 2.00% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | STANDARD LIFE AND ACCIDENT | $2K | — | $2K | 15.01% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $708 | — | $708 | 5.00% |
| NICK HUMBLE3 | — | STANDARD LIFE AND ACCIDENT | $567 | — | $567 | 4.01% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $2K | — | $2K | 15.00% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $545 | — | $545 | 4.00% |
| NICK HUMBLE3 | — | ONEAMERICA | $272 | — | $272 | 2.00% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $423 | — | $423 | 15.03% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $112 | — | $112 | 3.98% |
| NICK HUMBLE3 | — | ONEAMERICA | $56 | — | $56 | 1.99% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | STANDARD LIFE AND ACCIDENT | $883 | — | $883 | 62.45% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 SUITE 4500 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $295 | — | $295 | 20.86% |
| NICK HUMBLE3 | — | STANDARD LIFE AND ACCIDENT | $235 | — | $235 | 16.62% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | STANDARD LIFE AND ACCIDENT | $178 | — | $178 | 14.97% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $60 | — | $60 | 5.05% |
| NICK HUMBLE3 | — | STANDARD LIFE AND ACCIDENT | $48 | — | $48 | 4.04% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 705 LINCOLN AVENUE 2ND FLOOR LOVELAND, CO 80537 | ONEAMERICA | $41 | — | $41 | 15.24% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | PO BOX 14067 JACKSON, MS 39236 | ONEAMERICA | $11 | — | $11 | 4.09% |
| NICK HUMBLE3 | — | ONEAMERICA | $5 | — | $5 | 1.86% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 82 | $29K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 82 | $29K |
| Life insurance(3 contracts) | ONEAMERICA | 0 | $24K |
| Short-term disability | ONEAMERICA | 0 | $31K |
| Long-term disability | ONEAMERICA | 0 | $14K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 119 | $148K |
| Other(7 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 82 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.