Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
HealthStop-loss | HealthStop-loss | Pro |
Broker: Upshaw Insurance Agency Inc DentalVision | DentalVision | Pro |
Broker: Upshaw Insurance Agency Inc STDOtherLTDLife | STDOtherLTDLife | Pro |
Broker: Upshaw Insurance Agency Inc HealthRx | HealthRx | Pro |
Broker: Upshaw Insurance Agency Inc Other | Other | Pro |
See premium, retention and renewal dates for 9 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.
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | STEALTH PARTNER GROUP | 685 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,324 | $637K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,324 | $637K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 828 | $80K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $300K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 828 | $81K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 33 | $96K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP | 685 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 828 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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 the prior year. Good candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.