| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $10K | $36K | 14.03% |
| BENEFITS PLUS INS SOL LLC3 Filed as: BENEFITS PLUS INS. SOLUTIONS, LLC | 37383 RIVERSIDE DRIVE PLEASANT HILL, OR 97477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $898 | $0 | $898 | 1.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | $0 | $439 | 0.60% |
| DICK HANNAH INSURANCE AGENCY3 | PO BOX 820930 VANCOUVER, WA 98682 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | $0 | $270 | 0.37% |
| TROY FERGUSON3 | 3758 NORTH YELLOWSTONE HIGHWAY IDAHO FALLS, ID 83401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $328K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $255K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $255K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.