| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 1.91% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 3.35% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $9K | $17K | 2.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.61% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $16K | $25K | 5.67% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 6.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.66% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFIT GROUP | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $11K | 9.08% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | EYEMED VISION CARE | $11K | $0 | $11K | 9.23% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 13.67% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $624K |
| EXUDE BENEFITS GROUP EIN 23-2859145 BROKER | Insurance agents and brokers Service code 22 | — | $131K |
| RXBENEFITS EIN 63-1157085 PHARMACY BENEFIT MGR | Claims processing Service code 12 | — | $11K |
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 | 1,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,690 | $723K |
| Vision | EYEMED VISION CARE | 1,659 | $116K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,185 | $172K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,185 | $712K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,185 | $435K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE GROUP | 811 | $1.1M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,185 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,690 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.