| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 14.94% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.55% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.39% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.20% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.05% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $885 | $885 | 3.02% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $680 | $680 | 2.39% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 5.20% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $134 | — | $134 | 0.58% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $818 | $818 | 4.50% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $409 | $409 | 2.25% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $379 | $379 | 3.68% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $324 | $324 | 3.15% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $629 | — | $629 | 15.01% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $141 | $141 | 3.37% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $121 | $121 | 2.89% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $90K |
| Vision | VISION SERVICE PLAN | 151 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $18K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 81 | $255K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.