| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME BENEFITS INSURANCE LLP3 | 400 N MAIN STREET STE 103 GRAPEVINE, TX 76051 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 30541 SALT LAKE CITY, UT 84130 | $172K |
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $141K |
| LIFETIME BENEFITS INSURANCE LLP EIN 94-3428547 BROKER | Other commissions Service code 55 | 400 N. MAIN STREET GRAPEVINE, TX 76051 | $53K |
| FIDELITY INVESTMENTS INSTITUTIONAL EIN 04-2647786 RECORDKEEPER | Account maintenance fees; Participant loan processing; Recordkeeping fees Service code 37 | 100 MAGELLAN WAY COVINGTON, KY 41015 | $11K |
| NFP RETIREMENT INC. EIN 33-0905143 ADVISOR | Investment advisory (plan) Service code 27 | 100 CRESCENT CT 7TH FLOOR DALLAS, TX 75201 | $2K |
| STRATEGIC ADVISORS, INC. EIN 04-2654524 ADVISOR | Investment advisory (plan) Service code 27 | 400 SOUTHPOINTE BLVD CANONSBURG, PA 15317 | $238 |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INS CO | 132 | $264K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 102 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.