Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Stop-loss | Stop-loss | Pro |
Broker: Jason Maynard STD | STD | Pro |
Broker: Hub International Midwest Ltd Dental | Dental | Pro |
Broker: Hub International Midwest Ltd LifeOther | LifeOther | Pro |
Broker: Richard a Schega Life | Life | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Delta Dental Insurance Company | Pro |
Carrier: Delta Dental Insurance Company | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: Massachusetts Mutual Life Insurance | Pro |
Carrier: MML Baystate Life Insurance Company | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | PO BOX 2975 MISSION, KS 66201 | $725K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT ST, SUITE 100 WAUSAU, WI 54403 | $130K |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 240 | $70K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $8K |
| Short-term disability | AFLAC | 74 | $75K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE & CASUALTY GROUP | 0 | $446K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.