| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $4K | $86K | 9.66% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST UNIT F LUBBOCK, TX 79423 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24K | $24K | 2.75% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84K | $0 | $84K | 18.00% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.00% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $91K | $0 | $91K | 20.00% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.00% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.00% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.00% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 15.00% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.00% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 25.00% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.80% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 25.00% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.84% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $0 | $31K | 31.75% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $300 | $300 | 3.00% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD STE 350 PLANO, TX 75093 | SAFEGUARD HEALTH PLANS, INC | $708 | $51 | $759 | 9.79% |
| TOTAL BENEFIT SOLUTIONS3 | 3402 73RD ST UNIT F LUBBOCK, TX 79423 | SAFEGUARD HEALTH PLANS, INC | $0 | $213 | $213 | 2.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $874K |
| RYAN BENEFITS INC EIN 46-1358532 BROKER | Other commissions Service code 55 | — | $26K |
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 | 1,661 | 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) | 1,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,194 | $895K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,194 | $887K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,659 | $648K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 693 | $457K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 773 | $335K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,659 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,194 | — |
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.