| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET SUITE 300 OMAHA, NE 68144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $464 | — | $464 | 5.76% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $342 | — | $342 | 4.25% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET SUITE 300 OMAHA, NE 68144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | — | $382 | 5.77% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $281 | — | $281 | 4.24% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET SUITE 300 OMAHA, NE 68144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 5.74% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $135 | — | $135 | 4.26% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET SUITE 300 OMAHA, NE 68144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35 | — | $35 | 6.25% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21 | — | $21 | 3.75% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $7K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.