| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 600731298 | VISION SERVICE PLAN | $1K | — | $1K | 4.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $809 | $809 | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY RD. SUITE 220 MORRISTOWN, NJ 07960 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE ROAD SUITE 300 ORLANDO, FL 32803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $750 | $750 | 5.00% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 259 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $95K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $117K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $98K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.