| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 704485831 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 2.86% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 911076024 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 1.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC LA | 3850 N. CAUSEWAY BLVD. SUITE 1200 METAIRIE, LA 700028114 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.86% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF KENTUCKY, INC. | PO BOX 23410 LOUISVILLE, KY 402230410 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 704485831 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 1.75% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.92% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 9.26% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.74% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 1.75% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.29% |
| BENPRO, LLC5 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 11.17% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.71% |
| BENPRO, LLC5 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 16.90% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.85% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.15% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 16.80% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.20% |
| BENPRO, LLC5 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 28.91% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.51% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.49% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.20% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $797 | — | $797 | 5.80% |
| BENPRO, LLC5 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 38.26% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 16.08% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.92% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $1.6M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $104K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $30K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $1.6M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
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.