| 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 | $1K | $6K | 8.15% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.43% |
| TORIAN INSURANCE BENEFITS INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 10.21% |
| TORIAN INSURANCE BENEFITS INC3 | — | PARAMOUNT DENTAL | $3K | — | $3K | 10.00% |
| TORIAN INSURANCE BENEFITS INC3 Filed as: TORIAN INSURANCE BENEFITS, INC | — | STANDARD INSURANCE COMPANY | $502 | — | $502 | 6.63% |
| TORIAN INSURANCE BENEFITS INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $700 | $138 | $838 | 11.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $190K |
| TORIAN INSURANCE BENEFITS, INC EIN 35-1813153 BROKER | Other commissions Service code 55 | — | $51K |
| TRUE RX MANAGEMETN SERVICES INC EIN 26-0502364 PHARMACY BENEFIT MGR | Claims processing Service code 12 | — | $23K |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 126 | $33K |
| Vision | STANDARD INSURANCE COMPANY | 221 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 338 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $56K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 463 | $333K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.