| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.27% |
| GROUP BENEFITS SERVICES LLC3 Filed as: GROUP BENEFITS SERVICES, INC | 6 NORTH PARK RD SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.20% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC | 6 N PARK DR SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.96% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $820 | $820 | 2.01% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $680 | $680 | 2.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 643 | 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) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 305 | $1.9M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 546 | $263K |
| Vision(2 contracts, 2 carriers) | HEARTLAND | 532 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 643 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $31K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 305 | $1.9M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.