| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 12.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 450 COUNTRY CLUB ROAD, SUITE 330 EUGENE, OR 97401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.59% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $755 | $2K | 0.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $993 | $993 | 0.39% |
| DENNIS M COPLAND3 Filed as: DENNIS M. COPLAND | 6817 K AVENUE, SUITE 104 PLANO, TX 75074 | AFLAC | $748 | $0 | $748 | 3.19% |
| MARK LITTLE3 Filed as: MARK A. LITTLE | 5101 LOMA ALTA DRIVE FRISCO, TX 75034 | AFLAC | $497 | $0 | $497 | 2.12% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT PERRY EVANS, JR. & OTHERS | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $424 | $0 | $424 | 1.81% |
| ROBERT MOSS3 Filed as: ROBERT W. SWANGO | 8240 MANDERVILLE LANE APARMENT 804 DALLAS, TX 75231 | AFLAC | $319 | $0 | $319 | 1.36% |
| JERRY M. SHULER3 | 12336 VERONICA ROAD DALLAS, TX 75234 | AFLAC | $270 | $0 | $270 | 1.15% |
| JOHN DEE MAULDIN3 | 6612 TERRACE MILL LANE PLANO, TX 75024 | AFLAC | $162 | $0 | $162 | 0.69% |
| SHARYL K BATHE3 Filed as: SHARYL K. JUNEAU | 620 ODD FELLOW ROAD MATTOON, IL 61938 | AFLAC | $102 | $0 | $102 | 0.44% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $256K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $256K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $256K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $256K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $256K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.