| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE RAOD SUITE 418 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | — | $92K | 1.97% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE ROAD SUITE 418 OMAHA, NE 68114 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.15% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE ROAD SUITE 418 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.24% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $527 | — | $527 | 2.03% |
| MASTERCARE SOLUTIONS, INC.3 | 10300 SW GREENBURG RD SUITE 380 PORTLAND, OR 97223 | METROPOLITAN LIFE INSURANCE COMPANY | $512 | — | $512 | 1.97% |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,591 | $6.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,591 | $4.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,591 | $4.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $210K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 519 | $79K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 519 | $79K |
| Prescription drug | HEALTH NET | 129 | $1.4M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,263 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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.