| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES CORP- LAROCCA | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CURATIVE INSURANCE COMPANY | $56K | — | $56K | 6.00% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED TECHNOLOGY SO | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.69% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INTEGREATED ENROLLED TECHNOLOGY SO5 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 8.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $882 | $882 | 5.81% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 8.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $760 | $760 | 5.81% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED TECHNOLOGY SO | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $771 | $771 | 8.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $382 | $382 | 3.96% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED TECHNOLOGY SO | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $738 | $738 | 8.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $532 | $532 | 5.77% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED TECHNOLOGY SO | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $695 | $695 | 8.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $477 | $477 | 5.49% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED TECHNOLOGY SO | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $604 | $604 | 8.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $422 | $422 | 5.59% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | — | $677 | 10.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $338 | $338 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | — | $966 | 20.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED TECHNOLOGY SO | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $387 | $387 | 8.01% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $255 | $255 | 5.28% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 94 | $937K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $45K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $13K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 94 | $937K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.