| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFITS3 Filed as: ADVANCED LLC | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 12.73% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.69% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.84% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.39% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.11% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $120 | — | $120 | 0.50% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $16K | $0 | $16K | 67.08% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 90 | $110K |
| Vision | VISION SERVICE PLAN | 108 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $116K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.