| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1900 NORTH GRANT STREET, SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $930 | $0 | $930 | 3.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1900 NORTH GRANT STREET, SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.39% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1900 NORTH GRANT STREET, SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.13% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $817 | $0 | $817 | 3.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $704 | $704 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $554 | $0 | $554 | 3.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1900 NORTH GRANT STREET, SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $524 | $0 | $524 | 3.72% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1900 NORTH GRANT STREET, SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $753 | $0 | $753 | 5.83% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $646 | $646 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $540 | $0 | $540 | 4.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 1900 NORTH GRANT STREET, SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $482 | $0 | $482 | 5.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $404 | $404 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 2829 WYANDOT STREET DENVER, CO 80211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $326 | $0 | $326 | 4.03% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $30K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.