| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOVARD INSURANCE GROUP3 | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $57K | $11K | $68K | 12.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $14K | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | P.O. BOX 25946 OVERLAND PARK, KS 66225 | $250K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $156K |
| SUNSTAR INSURANCE GROUP EIN 46-0800597 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 6950 SQUIBB STE 500 MISSION, KS 66202 | $22K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $12K |
| KCOE ISOM LLP EIN 94-2222122 NONE | Accounting (including auditing) Service code 10 | 3030 CORTLAND CIRCLE SALINA, KS 67401 | $11K |
| ACS - A XEROX COMPANY EIN 36-4129784 NONE | Other services; Claims processing Service code 12 | — | $9K |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 788 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 588 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 703 | $171K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 689 | $613K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 788 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.