| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 4.22% |
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.17% |
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.24% |
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT | 120 W VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PL E 3RD FL FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $703 | $188 | $891 | 19.00% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $250K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $112K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 747 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.