| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 | Claims processing Service code 12 | — | $1.0M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 | Contract Administrator Service code 13 | — | $473K |
| BLAKE & UHLIG, PA EIN 48-0918231 | Legal Service code 29 | — | $183K |
| UNITED ACTUARIAL SERVICE EIN 35-2156428 | Consulting (general) Service code 16 | — | $78K |
| FIRST NATIONAL BANK OF OMAHA EIN 47-0259043 | Custodial (securities) Service code 19 | — | $65K |
| DEBOER & ASSOCIATES, PC EIN 47-0836395 | Accounting (including auditing) Service code 10 | — | $42K |
| ASSET CONSULTING GROUP EIN 43-1512694 | Investment advisory (plan) Service code 27 | — | $5K |
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 | 2,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 2,066 | $287K |
| Other | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 295 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,066 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.