| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 3.27% |
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.59% |
| SIMPLIFY INSURANCE LLC3 | — | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $395 | $395 | 0.84% |
| SIMPLIFY INSURANCE LLC3 | PO BOX 7 OREM, UT 84059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 20.29% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $188 | $188 | 0.81% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $168 | $168 | 0.80% |
| SIMPLIFY INSURANCE LLC3 | — | ACE AMERICAN INSURANCE COMPANY | $864 | — | $864 | 6.00% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $320 | — | $320 | 10.01% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $25 | $25 | 0.78% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $1.3M |
| Dental | ACE AMERICAN INSURANCE COMPANY | 124 | $70K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 108 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $21K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.