| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONAL CARE INC3 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| REGONAL CARE INC | 4021 AVE B SCOTTSBLUFF, NE 69361 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $31K | — | $31K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE, INC EIN 47-0760050 TPA | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $547K |
| MIDLANDS CHOICE EIN 47-0804331 PPO NETWORK | Insurance services Service code 23 | 8420 W DODGE ROAD OMAHA, NE 68114 | $76K |
| MED WATCH LLC EIN 16-1662117 MEDICAL CASE MANAGEMENT | Insurance services Service code 23 | PO BOX 21796 TAMPA, FL 33630 | $36K |
| COUNTRYMAN ASSOCIATES, P.C. EIN 47-0623143 AUDITOR | Accounting (including auditing) Service code 10 | 505 NORTH DIERS AVE GRAND ISLAND, NE 68802 | $9K |
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 | 1,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 1,142 | $314K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,156 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,156 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.