| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 9301 CORBIN AVENUE SUITE 1500 NORTHRIDGE, CA 91324 | PROMINENCE HEALTH PLAN | $15K | — | $15K | 7.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 9301 CORBIN AVENUE SUITE 1500 NORTHRIDGE, CA 91324 | AMERITAS LIFE INSURANCE CORP. | $5K | $169 | $5K | 15.52% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPT 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANCE CORP. | $970 | — | $970 | 3.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 19360 RINALDI STREET #530 NORTHRIDGE, CA 91326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $555 | $555 | 5.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 19360 RINALDI STREET #530 NORTHRIDGE, CA 91326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $900 | — | $900 | 14.77% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $300 | $300 | 4.92% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 9301 CORBIN AVENUE NORTHRIDGE, CA 91324 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $411 | — | $411 | 7.05% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 19360 RINALDI STREET #530 NORTHRIDGE, CA 91326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $667 | — | $667 | 15.10% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $222 | $222 | 5.02% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 33 | $221K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 48 | $32K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 74 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $6K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.