| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 681304645 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.05% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 681304645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 681304645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $895 | — | $895 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENEFIT GROUP, INC. EIN 47-0720154 NONE | Contract Administrator Service code 13 | 11906 ARBOR STREET SUITE 100 OMAHA, NE 68144 | $25K |
| GMS BENEFITS, INC. EIN 47-0784635 NONE | Insurance agents and brokers Service code 22 | 17445 ARBOR STREET SUITE 200 OMAHA, NE 681304645 | $23K |
| FIRST HEALTH THROUGH AMERICAN HEALT EIN 01-0660339 NONE | Other services Service code 49 | 9229 WARD PARKWAY SUITE 300 KANSAS CITY, MO 64114 | $7K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Claims processing Service code 12 | 7400 WEST CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $4K |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 101 | $6K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 154 | $38K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 154 | $38K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $21K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.