| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E HENEHAN FIN & INS SVCS INC3 | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.04% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 Filed as: JOSEPH E HENEHAN FINANCIAL & INSUR | 685 EAST CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | PREMIER ACCESS INSURANCE COMPANY | $888 | — | $888 | 0.98% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.55% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.41% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $270 | $2K | 11.67% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 Filed as: JOSEPH E HENCHAN FIN & INS SVCS INC | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $671 | $2K | 14.80% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 | 685 CARNEGIE DRIVE SUITE 205 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $691 | $691 | 5.80% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 223 | $1.5M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 210 | $91K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 368 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 650 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $28K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 650 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.