| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACTUARIAL CONSULTING SERVICES INC3 | 5830 SOUTH 142ND ST, STE B OMAHA, NE 68137 | HARTFORD LIFE AND ACCIDENT | $0 | $136K | $136K | 0.92% |
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 | 13,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 298 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 44 | $288K |
| Vision | VISION SERVICE PLAN | 10,570 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 15,208 | $14.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 15,208 | $14.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 13,171 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,208 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.