| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $2K | $21K | 17.13% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.53% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.20% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.13% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.96% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $835 | $835 | 2.64% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.28% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $872 | $872 | 2.85% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 4.64% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $133 | — | $133 | 0.48% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $803 | $803 | 3.60% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $536 | $536 | 2.40% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $461 | $461 | 3.12% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $307 | $307 | 2.08% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $629 | — | $629 | 15.01% |
| ADVANCED BENEFIT INC2 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $187 | $187 | 4.46% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $125 | $125 | 2.98% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $120K |
| Vision | VISION SERVICE PLAN | 195 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $22K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 141 | $330K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.