| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR ST STE 200 OMAHA, NE 681304645 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 5.12% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR ST STE 200 OMAHA, NE 681304645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $916 | $3K | 15.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR ST STE 200 OMAHA, NE 681304645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR ST STE 200 OMAHA, NE 681304645 | VISION SERVICE PLAN | $767 | — | $767 | 7.86% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR ST STE 200 OMAHA, NE 681304645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $660 | — | $660 | 8.40% |
No Schedule C service providers reported on this filing.
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $740K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $740K |
| Vision | VISION SERVICE PLAN | 60 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $18K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.