| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES, LLC | — | AETNA | $30K | — | $30K | 5.63% |
| AMWINS3 Filed as: LISI, LLC | — | AETNA | $12K | — | $12K | 2.17% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | — | AETNA | $4K | — | $4K | 0.77% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES, LLC | — | AETNA | $19K | — | $19K | 5.51% |
| AMWINS3 Filed as: LISI, LLC | — | AETNA | $7K | — | $7K | 2.11% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | — | AETNA | $3K | — | $3K | 0.77% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $833 | — | $833 | 10.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $663 | — | $663 | 14.99% |
| BOTTOM LINE INSURANCE SVCS LLC3 | 1902 WRIGHT PL CORNERSTONE CORPORATE CENTER 2ND CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $264 | — | $264 | 14.99% |
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 | 163 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 36 | $349K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $84K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $44K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $15K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.