| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 4800 MEADOWS ROAD SUITE 300 LAKE OSWEGO, OR 97035 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $1K | $24K | 15.70% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $16K | 20.39% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 6.93% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.73% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.48% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.77% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 4.32% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $165 | — | $165 | 0.48% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.21% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $991 | $991 | 3.14% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $711 | $711 | 2.35% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $933 | $4K | 19.38% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $467 | $467 | 2.23% |
| ADVANCED BENEFIT INC2 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $626 | $273 | $899 | 21.46% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $136 | $136 | 3.25% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $151K |
| Vision | VISION SERVICE PLAN | 238 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $30K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 0 | $391K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.