| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE INSURANCE COMPANY | 185 ASYLUM STREET HARTFORD, CT 061033408 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping fees; Other insurance fees and expenses; Account maintenance fees; Claims processing; Insurance services; Direct payment from the plan Service code 12 | — | $193K |
| NOVO BENEFITS NONE | Insurance services; Insurance agents and brokers; Consulting (general); Insurance brokerage commissions and fees Service code 16 | 11755 E PEAKVIEW AVENUE, SUITE 250 ENGLEWOOD, CO 80111 | $128K |
| APTA HEALTH NONE | Insurance services; Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting (general) Service code 16 | 11755 E PARKVIEW AVE ENGLEWOOD, CO 80111 | $126K |
| AMERITAS NONE | Other insurance fees and expenses; Claims processing; Account maintenance fees; Insurance services; Direct payment from the plan; Recordkeeping fees Service code 12 | PO BOX 81889 LINCOLN, NE 68501 | $29K |
| UNICO GROUP NONE | Insurance agents and brokers; Consulting (general); Insurance services; Insurance brokerage commissions and fees Service code 16 | 1128 LINCOLN MALL #200 LINCOLN, NE 68508 | $13K |
| HSMC ORIZON NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 16924 FRANCES STREET OMAHA, NE 68130 | $9K |
| UNION BANK & TRUST COMPANY RELATED PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management fees paid directly by plan; Investment management; Investment advisory (plan); Trustee (bank, trust company, or similar financial institution) Service code 15 | PO BOX 82535 LINCOLN, NE 685012535 | $6K |
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 | 511 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 511 | $415K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 511 | $365K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 511 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.