| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS, INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.94% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVE., SUITE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS, INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.53% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVE., SUITE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 8.47% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 S. KATY CT. SPOKANE, WA 99224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.94% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVE., SUITE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.06% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS, INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 14.73% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVE., SUITE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.27% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS, INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.85% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVE., SUITE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.14% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS, INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.78% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP, LLC | 11850 SW 67TH AVE., SUITE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DWS HOLDINGS DBA PINNACLE PEAK ADM. EIN 45-3763152 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $54K |
| NSQUARED CONSULTING, LLC EIN 84-4233260 PRODUCER FEE | Insurance agents and brokers Service code 22 | — | $10K |
| THE PARTNER'S GROUP, LLC EIN 93-1300504 PRODUCER FEE | Insurance agents and brokers Service code 22 | — | $9K |
| MODERN BENEFITS SOLUTIONS EIN 47-1756760 PRODUCER FEES | Insurance agents and brokers Service code 22 | — | $9K |
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 | 512 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $68K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.