| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES W | 525 MARKET ST STE 3400 SAN FRANCISCO, CA 94105 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.20% |
| HFP BENEFIT SOLUTIONS, LLC3 | 1131 WYOMING AVE EL PASO, TX 79902 | UNITEDHEALTHCARE INSURANCE COMPANY | $454 | — | $454 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES W | 16220 N. SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.17% |
| HFP BENEFITS SOLUTIONS, LLC3 | 210 N CAMPBELL ST EL PASO, TX 79901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.83% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $2.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $52K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $2.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.