| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | PO BOX 3430 CARMEL, IN 46082 | AMERITAS LIFE INSURANCE CORP. | $76K | $3K | $79K | 15.55% |
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $11K | $33K | 19.38% |
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $8K | $26K | 17.60% |
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $7K | $20K | 19.72% |
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 20.40% |
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AR 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 18.44% |
| M J INSURANCE INC.3 Filed as: M J INSURANCE, INC. | 3900 E CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $346K |
| M J INSURANCE INC. EIN 35-1109367 BROKER | Other commissions Service code 55 | — | $182K |
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $47K |
| VAN NOY CONSULTING GROUP CONSULTING | Consulting (general) Service code 16 | 2312 PROMETHEUS CT LAS VEGAS, NV 89074 | $43K |
| M J INSURANCE INC EIN 35-1109367 BROKER | Other commissions Service code 55 | — | $38K |
| HEALTHJOY UTILIZATION REVIEW | Other services Service code 49 | 215 W SUPERIOR STREET 5TH FLOOR CHICAGO, IL 60654 | $15K |
| MULTIPLAN EIN 04-3138814 PPO NETWORK | Other services Service code 49 | — | $12K |
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 | 964 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 964 | $506K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 964 | $506K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 859 | $131K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 670 | $148K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $92K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 739 | $1.2M |
| Other(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 964 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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 prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.