| 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 | $4K | $1K | $5K | 7.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.14% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.96% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $745 | $3K | 5.93% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.91% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $577 | $2K | 5.72% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $945 | — | $945 | 7.11% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 850207426 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $651 | $259 | $910 | 6.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINI STRATION | Contract Administrator Service code 13 | — | $236K |
| AMERIBEN SOLUTIONS EIN 82-0497661 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $14K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $6K |
| RESECO INSURANCE ADVISORS, LLC BROKER | Contract Administrator Service code 13 | 7901 N 16TH ST PHOENIX, AZ 85020 | $0 |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $36K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 585 | $364K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 585 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.