| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $16K | 13.68% |
| BRITE BENEFITS INC5 Filed as: BRITE BENEFITS, INC. | 4270 SOUTH CAMILLE STREET HOLLADAY, UT 84124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $260 | $260 | 0.22% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 28.00% |
| USI INSURANCE SERVICES LLC4 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $93 | $0 | $93 | 2.31% |
| CATHERINE P. BURNS4 | 1610 BORA BORA DRIVE WEST JORDAN, UT 84084 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | $0 | $35 | 0.87% |
| USI INSURANCE SERVICES LLC3 | 1100 EAST 6600 SOUTH, SUITE 280 SALT LAKE CITY, UT 84121 | NEW BENEFITS, LTD | $56 | $0 | $56 | — |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $119K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $119K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $119K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
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.