| 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. | $2K | $0 | $2K | 6.80% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | UNITED HEALTHCARE INSURANCE COMPANY | $441 | — | $441 | 10.00% |
| 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 | $32K |
| GMS BENEFITS, INC. EIN 47-0784635 NONE | Insurance agents and brokers Service code 22 | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | $16K |
| PHC/MULTIPLAN EIN 13-3068979 NONE | Other services Service code 49 | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 100879380 | $4K |
| 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 NONE | Other services Service code 49 | 330 FRANKLING RD. STE. 135A-428 BRENTWOOD, TN 37027 | $530 |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 54 | $4K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 127 | $33K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 127 | $33K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $25K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.