No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $303K |
| NOVO BENEFITS | Consulting (general); Insurance agents and brokers; Insurance services; Insurance brokerage commissions and fees Service code 16 | — | $72K |
| AMERITAS NONE | Account maintenance fees; Recordkeeping fees; Other insurance fees and expenses; Insurance services; Claims processing; Direct payment from the plan Service code 12 | PO BOX 81889 LINCOLN, NE 68501 | $36K |
| UNION AGENCY, INC. | Insurance services; Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | — | $17K |
| HSMC ORIZON NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 16924 FRANCES STREET OMAHA, NE 68130 | $9K |
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 | 540 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HM LIFE INSURANCE COMPANY | 478 | $452K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 478 | $398K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 478 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.