| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4821 WHEATON DR. FORT COLLINS, CA 80525 | HCC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD PETERSON INS INC | 4687 W 18TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.14% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD AND PETERSON INSURANCE INC. | 4687 W 18TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INS INC | 4687 W 18TH STREET GREELEY, CO 80634 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.66% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $78 | $0 | $78 | 0.42% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD PETERSON INS INC | 4687 W 18TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 128 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $28K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 239 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
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.