| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMEDIARY SERVICES LLC3 | 333 S STATE ST STE V # 283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.65% |
| INTERMEDIARY SERVICES LLC3 | 333 S STATE ST STE V # 283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STARLINE GROUP EIN 04-3499188 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $426K |
| HEALTHCARE MANAGMENT ADMINISTRATORS EIN 91-1333840 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $145K |
| INTERMEDIARY SERVICES LLC EIN 93-1323288 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $48K |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.