| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 282094641 | AMERITAS LIFE INSURANCE CORP | $7K | $0 | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5145 GREENVILLE, SC 296065145 | AMERITAS LIFE INSURANCE CORP | $0 | $2K | $2K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC5 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $949 | $949 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC5 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $695 | $695 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC5 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $659 | $659 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $981 | $981 | 4.74% |
| MARSH & MCLENNAN AGENCY LLC5 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $621 | $621 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $668 | $668 | 3.89% |
| MARSH & MCLENNAN AGENCY LLC5 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $515 | $515 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $598 | $0 | $598 | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $162 | $162 | 3.52% |
| MARSH & MCLENNAN AGENCY LLC5 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $92 | $92 | 2.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 270 | $68K |
| Vision | AMERITAS LIFE INSURANCE CORP | 270 | $68K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $35K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.