| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.00% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN SOLUTIONS EIN 82-0497661 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $80K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $6K |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $28K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 565 | $88K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.