| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 500 W MADISON ST FL32 CHICAGO, IL 60661 | AMERITAS LIFE INSURANCE CORP. | $5K | $0 | $5K | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | AMERITAS LIFE INSURANCE CORP. | $0 | $1K | $1K | 1.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $738 | $738 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $559 | $559 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $454 | $454 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $429 | $429 | 1.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $413 | $413 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $265 | $265 | 0.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.20% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $256 | $256 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $213 | $213 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $195 | $195 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $158 | $158 | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $194 | $194 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $151 | $151 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $809 | $0 | $809 | 10.00% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $121 | $121 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $110 | $110 | 1.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $644 | $0 | $644 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OS TERXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $81 | $81 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 ADMIN | Claims processing Service code 12 | — | $55K |
| NFP CORPORATE SERVICES IL INC BROKER | Insurance agents and brokers Service code 22 | 105 REVERE DR STE G NORTHBROOK, IL 60062 | $47K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $9K |
| NFP CORPORATE SERVICES (PA), INC. EIN 13-4096969 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 305 | $69K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $49K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $34K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 217 | $480K |
| Other(7 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.