| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFIT SOLUTION | 1000 DUNHAM DR DUNMORE, PA 18512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 5.90% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFIT SOLUTION | 1000 DUNHAM DR DUNMORE, PA 18512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $713 | $5K | 5.93% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFIT SOLUTION | 1000 DUNHAM DR DUNMORE, PA 18512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $646 | $4K | 5.85% |
| FMLASOURCE INC3 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 21.00% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFIT SOLUTION | 1000 DUNHAM DR DUNMORE, PA 18512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $404 | $3K | 5.88% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFIT SOLUTION | 1000 DUNHAM DR DUNMORE, PA 18512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $433 | $68 | $501 | 5.79% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFIT SOLUTION | 1000 DUNHAM DR DUNMORE, PA 18512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $308 | $48 | $356 | 5.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $72K |
| PATCHCOSKI, DAVID BROKER | Insurance agents and brokers Service code 22 | 207 WHITE OAK DRIVE OLYPHANT, PA 18447 | $59K |
| HIGHMARK, INC. EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $8K |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 420 | $21K |
| Vision(2 contracts, 2 carriers) | REVIVEHEALTH | 0 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 629 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $9K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $83K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 377 | $359K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 629 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.