| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO ROAD, SUITE 240 COLUMBIA, MD 210451943 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $23K | 9.23% |
| GROUP ADMINISTRATIVE CONCEPTS3 | 10006 N. DALE MABRY HIGHWAY TAMPA, FL 33618 | EXPRESS SCRIPTS INC. | $3K | — | $3K | 4.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEBEN, INC. EIN 20-1643248 PLAN CONSULTANT | Consulting (general) Service code 16 | — | $80K |
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $69K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 NONE | Custodial (securities); Securities brokerage; Direct payment from the plan; Other services; Other investment fees and expenses; Investment advisory (plan); Securities brokerage commissions and fees Service code 19 | — | $31K |
| RETIREMENT HORIZONS INC. EIN 76-0551734 NONE | Actuarial Service code 11 | — | $25K |
| CURTIS BLAKELY & CO INC. EIN 75-1545734 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| PHCS EIN 04-3138814 PPO PROVIDER | Contract Administrator Service code 13 | — | $10K |
| SAGE ADVISORY SERVICES LTD EIN 74-2798841 NONE | Investment management fees paid directly by plan Service code 51 | — | $4K |
| ABBEY CAPITAL FUNDS EIN 39-0281260 NONE | Recordkeeping fees; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| ALLIANZ INVESTORS EIN 06-1349805 NONE | Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $0 |
| INVESCO FUNDS EIN 58-2287224 NONE | Recordkeeping fees; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| LIBERTY FUNDS EIN 39-1657495 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Recordkeeping fees; Other fees Service code 15 | — | $0 |
| LOCORR FUNDS EIN 39-1982827 NONE | Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| MORGAN STANLEY BANK N.A. EIN 36-3707380 NONE | Other commissions; Securities brokerage; Other services Service code 33 | — | $0 |
| OPPENHEIMER FUNDS MLP EIN 13-2527171 NONE | Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| PIMCO INSTITUTIONAL FUNDS EIN 95-2632339 NONE | Other services; Recordkeeping fees; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| PRUDENTIAL FUNDS EIN 22-3703799 NONE | Recordkeeping fees; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| THORNBURG FUNDS EIN 06-1158764 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Other services Service code 15 | — | $0 |
| TOUCHSTONE FUNDS EIN 31-0487145 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Recordkeeping fees; Other fees Service code 15 | — | $0 |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $245K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $245K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $245K |
| Prescription drug | EXPRESS SCRIPTS INC. | 31 | $66K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | 208 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.