| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC OF ARIZONA | 75 REMITTANCE DRIVE, DEPT 1446 CHICAGO, IL 60675 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 92623 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.04% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.10% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 92623 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.85% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.01% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 359 | $112K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 326 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $152K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $152K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $152K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.