| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFITS3 Filed as: ADVANCED LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $11K | $41K | 20.52% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.79% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.68% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $5K | $23K | 14.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2448 N MERRIT CREEK LOOP COEUR D ALENE, ID 83814 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.05% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT LLC | 2248 N MERRITT CREEK LOOP COEUR D ALENE, MD 83814 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.73% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGTOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $177 | — | $177 | 0.55% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $155K |
| Vision | VISION SERVICE PLAN | 184 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $202K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $202K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.