| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 3421 N 190TH PLZ ELKHORN, NE 680223553 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 6.71% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 3421 N 190TH PLZ ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ENROLLEASE3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50 | $50 | 0.29% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 3421 N 190TH PLZ ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19 | $19 | 0.26% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | UNITED HEALTHCARE INSURANCE COMPANY | $379 | — | $379 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENEFIT GROUP, INC. EIN 47-0720154 NONE | Contract Administrator Service code 13 | 11924 ARBOR STREET, STE 100 OMAHA, NE 68144 | $26K |
| GMS BENEFITS, INC. EIN 47-0784635 NONE | Insurance agents and brokers Service code 22 | 17445 ARBOR STREET, SUITE 200 OMAHA, NE 68130 | $15K |
| PHCS/MULTIPLAN EIN 13-3068979 NONE | Other services Service code 49 | PO BOX 29380 NEW YORK, NY 100879380 | $3K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Claims processing Service code 12 | 7400 WEST CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $2K |
| CAREOPERATIVE EIN 20-8981027 NOBE | Other services Service code 49 | 330 FRANKLIN RD. STE 135A-428 BRENTWOOD, TN 37027 | $252 |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 57 | $4K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 57 | $4K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 57 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $25K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.