| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORIAN INSURANCE BENEFITS INC3 | 3000 DIVISION ST EVANSVILLE, IN 47711 | PARAMOUNT DENTAL | $2K | — | $2K | 3.00% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | 3000 E DAVIDSON ST EVANSVILLE, IN 47711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.04% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | 3000 E DAVIDSON ST EVANSVILLE, IN 47711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 17.41% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | 3000 E DAVIDSON ST EVANSVILLE, IN 47711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.23% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | 3000 E DAVIDSON ST EVANSVILLE, IN 47711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $749 | $330 | $1K | 14.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $227K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $119K |
| TORIAN INSURANCE BENEFITS, INC EIN 35-1813153 BROKER | Other commissions Service code 55 | — | $39K |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 281 | $76K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $25K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 0 | $621K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.