| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PARKWAY OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $3K | $3K | $6K | 5.96% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 10.58% |
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PARKWAY OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $2K | $608 | $2K | 10.12% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $226 | $3K | 24.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF NE EIN 47-0095156 ADMINISTRATOR | Contract Administrator Service code 13 | — | $72K |
| HOLMES MURPHY & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 13810 FNB PARKWAY OMAHA, NE 68154 | $0 |
| PRIME THERAPEUTICS EIN 26-0076803 ADMINISTRATOR | Contract Administrator Service code 13 | — | $0 |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 137 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 112 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $94K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $94K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.