| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GDP ADVISORS LLC3 | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOC LLC NE | PO BOX 9207 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 13810 FNB PKWY OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP | $1K | $1K | $3K | 6.27% |
| EARN OUT BOUND LLC3 | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | AMERITAS LIFE INSURANCE CORP | $739 | — | $739 | 1.83% |
| UNIFIED EMPLOYEE BENEFITS3 | 1640 S 70TH ST STE 200 LINCOLN, NE 68506 | AMERITAS LIFE INSURANCE CORP. | $659 | — | $659 | 9.99% |
No Schedule C service providers reported on this filing.
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $847K |
| Dental | AMERITAS LIFE INSURANCE CORP | 266 | $40K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 180 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.