| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 Filed as: INSPRO, INC | 100 6TH STREET FREMONT, NE 68026 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $46K | — | $46K | 2.77% |
| BRANDEN BENDER3 | INSPRO, INC. 4000 PINE LAKE ROAD LINCOLN, NE 68516 | DELTA DENTAL OF SOUTH DAKOTA | $7K | — | $7K | 5.00% |
| INSPRO INC3 | 100 EAST 6TH STREET PO BOX 689 FREMONT, NE 68026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.74% |
| INSPRO INC3 | 100 EAST 6TH STREET PO BOX 689 FREMONT, NE 68026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| INSPRO INC3 | PO BOX 6847 LINCOLN, NE 68506 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.33% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| INSPRO INC3 | 100 EAST 6TH STREET PO BOX 689 FREMONT, NE 68026 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 11975 WESTLINE INDUSTRIAL DRIVE ST LOUIS, MO 63146 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $241 | — | $241 | 6.57% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 229 | $140K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 112 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $20K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 66 | $34K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 221 | $1.7M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.