| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI URIAS INSURANCE SERVICES INC3 Filed as: LORI URIAS INSURANCE SERVICES | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OAMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OAMAHA LIFE INSURANCE COMPANY | — | $977 | $977 | 0.56% |
| LORI URIAS INSURANCE SERVICES INC3 | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.45% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $671 | $671 | 1.32% |
| LORI URIAS INSURANCE SERVICES INC3 | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $359 | $359 | 1.21% |
| LORI URIAS INSURANCE SERVICES INC3 | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $334 | $334 | 1.20% |
| LORI URIAS INSURANCE SERVICES INC3 | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $281 | $281 | 1.14% |
| LORI URIAS INSURANCE SERVICES INC3 | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $177 | $177 | 1.11% |
| LORI URIAS INSURANCE SERVICES INC3 | PO BOX 6279 VISALIA, CA 93290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $317 | — | $317 | 10.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $37 | $37 | 1.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL UNDERWRITING SERVICES EIN 76-0168793 STOP - LOSS CARRIER | Other fees Service code 99 | 1400 N PROVIDENCE RD BDG 2 STE 4050 MEDIA, PA 19063 | $297K |
| TRANSWESTERN INSURANCE ADMIN EIN 77-0118024 CONTRACT ADMIN | Contract Administrator Service code 13 | P.O. BOX 45019 FRESNO, CA 93718 | $54K |
| LORI URIAS INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | $33K |
| MULTIPLAN, INC EIN 13-3068979 CONTRACT PROVIDER | Other fees Service code 99 | P.O BOX 29380 NEW YORK, NY 10087 | $16K |
| PAYER COMPASS, LLC CONTRACT PROVIDER | Other fees Service code 99 | 5800 GRANITE PARKWAY STE.450 PLANO, TX 75024 | $9K |
| LORI URIAS INSURANCE BROKER | Insurance agents and brokers Service code 22 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | $8K |
| SMITH BOMAN & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 955 N STREET FRESNO, CA 93721 | $8K |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $16K |
| Dental | UNITED OF OAMAHA LIFE INSURANCE COMPANY | 0 | $173K |
| Vision(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $54K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.