| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 10.79% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 16.28% |
| TORIAN INSURANCE BENEFITS INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 13.58% |
| TORIAN INSURANCE BENEFITS INC3 | 3000 DIVISION STREET EVANSVILLE, IN 47711 | HEALTH RESOURCES INC | $4K | — | $4K | 10.00% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | 3000 E DIVISION STREET EVANSVILLE, IN 47711 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.43% |
| TORIAN INSURANCE BENEFITS INC3 | 3000 E DIVISION STREET EVANSVILLE, IN 47711 | UNITED OF OMAHA LFE INSURANCE COMPANY | $4K | $1K | $5K | 19.76% |
| TORIAN INSURANCE BENEFITS INC3 | 3000 E DIVISION STREET EVANSVILLE, IN 47711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $856 | $4K | 19.06% |
| TORIAN INSURANCE BENEFITS INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | $408 | $1K | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $193K |
| TORIAN INSURANCE BENEFITS, INC EIN 35-1813153 BROKER | Other commissions Service code 55 | — | $52K |
| TRUE RX MANAGEMETN SERVICES INC EIN 26-0502364 PHARMACY BENEFIT MGR | Claims processing Service code 12 | — | $32K |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 158 | $40K |
| Vision | STANDARD INSURANCE COMPANY | 253 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $52K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 560 | $435K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.