| 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 | $4K | — | $4K | 6.75% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.57% |
| TORIAN INSURANCE BENEFITS INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.28% |
| TORIAN INSURANCE BENEFITS INC3 | — | PARAMOUNT DENTAL | $4K | — | $4K | 10.00% |
| DILLOW FLITTNER & HOFMANN INS BNFTS3 Filed as: DILLOW FLITTNER & HOFMANN INS BENEF | — | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| TORIAN INSURANCE BENEFITS INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $659 | — | $659 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $196K |
| TORIAN INSURANCE BENEFITS, INC EIN 35-1813153 BROKER | Other commissions Service code 55 | — | $48K |
| TRUE RX MANAGEMETN SERVICES INC EIN 26-0502364 PHARMACY BENEFIT MGR | Claims processing Service code 12 | — | $22K |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 133 | $36K |
| Vision | STANDARD INSURANCE COMPANY | 204 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $55K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 484 | $334K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.