| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $902 | $902 | 0.87% |
| FLOOD & PETERSON BENEFITS LLC3 Filed as: FLOOD & PETERSON INSURANCE, INC. | 4687 18TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $874 | $874 | 0.84% |
| SHIRAZI-MILLER BENEFITS LLC3 Filed as: SHIRAZI-MILLER BENEFITS, LLC | 8205 WEST 20TH STREET GREELEY, CO 80634 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $872 | $872 | 0.84% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $104K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $104K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $104K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.