| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.74% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.88% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $874 | $874 | 2.37% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | — | $1K | 3.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.41% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $953 | $953 | 3.21% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 19.98% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $570 | $570 | 2.49% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $757 | $3K | 20.48% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $379 | $379 | 2.75% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $639 | — | $639 | 15.01% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 40 | $36K |
| Vision | VISION SERVICE PLAN | 144 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $14K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 135 | $244K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.