| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.00% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 503020441 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | SYMETRA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.51% |
| SELECT NETWORKS3 | 6165 NW 86TH ST STE 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.00% |
| MASTERCARE SOLUTIONS, INC.3 | 19085 PINEHURST ROAD BEND, OR 97703 | METROPOLITAN LIFE INSURANCE COMPANY | $823 | $0 | $823 | 3.83% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $206 | $0 | $206 | 0.96% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 Filed as: SWARTZBAUGH-FARBER & ASSOCIATES | 9140 W DODGE ROAD SUITE 418 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $206 | $0 | $206 | 0.96% |
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 | 987 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 667 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,360 | $298K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,209 | $65K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $511K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $511K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $511K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,065 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.