| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION AGENCY, INC.3 | 4719 PRESCOTT AVE. LINCOLN, NE 68506 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.65% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1405 XENIUM LANE NORTH SUITE 140 MINNEAPOLIS, MN 55441 | $53K |
| CORPORATE BENEFITS CONSORTIUM EIN 46-1359884 BROKER | Insurance agents and brokers Service code 22 | 11755 E. PEAKVIEW AVE. STE 250 ENGLEWOOD, CO 80111 | $33K |
| UNION AGENCY, INC. EIN 47-0487861 BROKER | Insurance agents and brokers Service code 22 | 4719 PRESCOTT AVE. LINCOLN, NE 68506 | $11K |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $193K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $193K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $193K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $193K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.