| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUCKER ADMINISTRATORS, INC.3 Filed as: TUCKER ADMINISTRATORS | 3800 ARCO CORPORATE DRIVE CHARLOTTE, NC 28273 | BARDON INSURANCE GROUP | $48K | — | $48K | 15.00% |
| TUCKER ADMINISTRATORS, INC.3 Filed as: TUCKER ADMINISTRATORS INC | PO BOX 844508 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| TUCKER ADMINISTRATORS, INC.3 Filed as: TUCKER ADMINISTRATORS INC | PO BOX 844508 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| TUCKER ADMINISTRATORS, INC.3 Filed as: TUCKER ADMINISTRATORS INC | PO BOX 844508 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 19.95% |
| TUCKER ADMINISTRATORS, INC.3 Filed as: TUCKER ADMINISTRATORS INC | PO BOX 844508 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.02% |
| TUCKER ADMINISTRATORS, INC.3 Filed as: TUCKER ADMINISTRATORS INC | PO BOX 844508 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TUCKER ADMINISTRATORS, INC. EIN 56-1315069 ADMINISTRATOR / BROKER | Insurance agents and brokers; Contract Administrator; Claims processing Service code 12 | — | $87K |
| HSTECHNOLOGY SOLUTIONS, INC. EIN 27-1818792 TECHNOLOGY SERVICES | Other insurance fees and expenses Service code 73 | — | $16K |
| COMMUNITY EYE CARE EIN 59-1999192 VISION ADMINISTRATOR | Contract Administrator; Claims processing; Other insurance fees and expenses Service code 12 | — | $15K |
| MEDWATCH, LLC EIN 20-0908354 UTILIZATION CONSULTANT | Other insurance fees and expenses Service code 73 | — | $12K |
| VALENZ CARE EIN 81-5149270 ADMINISTRATOR | Other insurance fees and expenses Service code 73 | — | $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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $25K |
| Stop-loss / reinsurancereinsurance | BARDON INSURANCE GROUP | 144 | $318K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.