| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 8.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DE VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | 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 | $4K | — | $4K | 15.00% |
| LORI URIAS INSURANCE SERVICES INC3 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| LORI URIAS INSURANCE SERVICES INC3 Filed as: LORI URIAS INSURANCE SERVICES | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | UNITED OF OAMAHA 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 | $351 | — | $351 | 10.01% |
| 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 | $276K |
| TRANSWESTERN INSURANCE ADMIN EIN 77-0118024 CONTRACT ADMIN | Contract Administrator Service code 13 | P.O. BOX 45019 FRESNO, CA 93718 | $58K |
| LORI URIAS INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 5120 W SAN JOAQUIN DR VISALIA, CA 93277 | $36K |
| MULTIPLAN, INC EIN 13-3068979 CONTRACT PROVIDER | Other fees Service code 99 | P.O BOX 29380 NEW YORK, NY 10087 | $17K |
| 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 | $7K |
| SMITH BOMAN & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 955 N STREET FRESNO, CA 93721 | $7K |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OAMAHA LIFE INSURANCE COMPANY | 126 | $15K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $183K |
| Vision(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 303 | $58K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.