| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 47-0095156 | Claims processing Service code 12 | — | $773K |
| BENESYS, INC EIN 38-2383171 | Contract Administrator Service code 13 | — | $349K |
| BLAKE & UHLIG, PA EIN 48-0918231 | Legal Service code 29 | — | $90K |
| UNITED ACTUARIAL SERVICE EIN 35-2156428 | Consulting (general) Service code 16 | — | $88K |
| DEBOER & ASSOCIATES, PC EIN 47-0836395 | Accounting (including auditing) Service code 10 | — | $30K |
| FIRST NATIONAL BANK OF OMAHA EIN 47-0259043 | Custodial (securities) Service code 19 | — | $26K |
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 | 1,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 232 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 1,495 | $11.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEBRASKA | 1,495 | $11.9M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 309 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,495 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.