| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | BLUECROSS BLUESHIELD OF TEXAS | $53K | — | $53K | 5.79% |
| CU BENEFITS ALLIANCE3 Filed as: CU BENEFITS ALLIANCE LLC | 451 DIVISION ST NE SALEM, OR 97301 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $272 | $2K | 11.69% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $272 | $2K | 11.69% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $304 | $3K | 17.07% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $212 | $1K | 11.68% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $845 | $95 | $940 | 11.12% |
| CU BENEFITS ALLIANCE3 | PO BOX 12398 SALEM, OR 97309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $396 | $83 | $479 | 12.10% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 222 | $920K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 148 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $31K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $16K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 222 | $916K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.