| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARK BENEFITS, INC.3 Filed as: THE ARK GROUP LLC | 14710 W DODGE RD STE 203 OMAHA, NE 68154 | UNITED HEALTHCARE | $142K | $0 | $142K | 3.14% |
| DONALD HANSEN3 | 14710 W DODGE RD STE 203 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $114K | $0 | $114K | 2.96% |
| ARK BENEFITS, INC.3 Filed as: THE ARK GROUP LLC | 14710 W DODGE RD OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $10K | $18K | 8.30% |
| ARK BENEFITS, INC.3 Filed as: THE ARK GROUP LLC | 14710 W DODGE RD OMAHA, NE 68154 | STARMOUNT LIFE INSURANCE COMPANY | $20K | $10K | $30K | 14.05% |
| ARK BENEFITS, INC.3 Filed as: THE ARK GROUP, LLC | 14710 W DODGE RD OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 18.70% |
| ARK BENEFITS, INC.3 Filed as: THE ARK GROUP LLC | 14710 W DODGE RD STE 203 OMAHA, NE 68144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $728K | $2K | $731K | 1408.72% |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 535 | $8.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 255 | $210K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 255 | $210K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $272K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $220K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.