| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVO BENEFITS GROUP | — | TUFTS HEALTH PLAN | $24K | — | $24K | 2.54% |
| INNOVO BENEFITS GROUP | — | DELTA DENTAL | $2K | — | $2K | 2.60% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.46% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $330 | $330 | 1.24% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $923 | $3K | 14.89% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $192 | $192 | 1.02% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.21% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $228 | $228 | 1.29% |
| INNOVO BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 32.30% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $477 | $477 | 4.64% |
| INNOVO BENEFITS GROUP | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $728 | — | $728 | 11.46% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS HEALTH PLAN | 141 | $927K |
| Dental | DELTA DENTAL | 161 | $82K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 114 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.