| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 Filed as: INSPRO INC. | P.O. BOX 689 FREMONT, NE 68026 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.41% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| INSPRO INC3 Filed as: INSPRO INC. | P.O. BOX 6847 LINCOLN, NE 68506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.48% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE., STE. 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 0.07% |
| AMY LORRAINE LUTHER3 | 3704 NW 74TH STREET KANSAS CITY, MO 64151 | AFLAC | $4K | $230 | $4K | 7.52% |
| INSPRO INC3 Filed as: INSPRO INC. | 100 E 6TH FREMONT, NE 68025 | AFLAC | $916 | — | $916 | 1.55% |
| JAMES A BELLOWS3 | P.O. BOX 549 YORK, NE 86936 | AFLAC | $869 | — | $869 | 1.47% |
| INSPRO INC3 Filed as: INSPRO INC. | 100 6TH ST. FREMONT, NE 68025 | AFLAC | $773 | — | $773 | 1.31% |
| MONICA BLAINE BROCKMAN3 | 10904 N DONNELLY CT KANSAS CITY, MO 64157 | AFLAC | $534 | $112 | $646 | 1.09% |
| CHAD JOSEPH BASLER3 | 2301 BURLINGTON ST, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $417 | — | $417 | 0.70% |
| THE LUTHER GROUP LLC3 | 3704 NW 74TH STREET KANSAS CITY, MO 64151 | AFLAC | $360 | — | $360 | 0.61% |
| ERIC J HENNEGIN3 | 7604 S PEOGA ROAD TRAFALGAR, IN 46181 | AFLAC | $187 | — | $187 | 0.32% |
| THOMAS EDWARD SHEFFIELD3 Filed as: THOMAS EDWARD SHEFFILED | P.O. BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $153 | — | $153 | 0.26% |
| SANDRA KARL3 Filed as: SANDRA K KARL | 18400 SW 100TH STREET CRETE, NE 68333 | AFLAC | $152 | — | $152 | 0.26% |
| KATRINA K MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $101 | $40 | $141 | 0.24% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $92 | $22 | $114 | 0.19% |
| KRINGS ENTERPRISES INC3 Filed as: KRINGS ENTERPRISES INC. | 5530 WEST PARKWAY, SUITE 500 JOHNSTON, IA 50131 | AFLAC | $108 | — | $108 | 0.18% |
| KERRY R PICKARD3 | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC | $104 | — | $104 | 0.18% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA D. WELKEN-PLACE | 14710 W DODGE ROAD, SUITE 200 OMAHA, NE 68154 | AFLAC | $53 | $40 | $93 | 0.16% |
| TARA M HELLER3 Filed as: TARA HELLER | 2301 BURLINGTON STREET KANSAS CITY, MO 64116 | AFLAC | $87 | — | $87 | 0.15% |
| FRANCES POTTER3 | 1540 N COTNER BLVD, APT 215 LINCOLN, NE 68505 | AFLAC | $83 | — | $83 | 0.14% |
| THOMAS D. CRICK3 | 3317 GATEWAY DRIVE INDEPENDENCE, MO 64057 | AFLAC | $54 | $26 | $80 | 0.14% |
| RYAN LAGER3 | 2901 GILLHAM ROAD, APT 104 KANSAS CITY, MO 64108 | AFLAC | $78 | — | $78 | 0.13% |
| TARA JORDAN3 | 800 LAKESHORE DRIVE TUSCOLA, IL 61953 | AFLAC | $77 | — | $77 | 0.13% |
| JANICE A ROBINSON3 | 11405 ASPEN CREEK DRIVE FORT WORTH, TX 76244 | AFLAC | $59 | — | $59 | 0.10% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRIMLICH INC. | 7509 NW TIFFANY SPRINGS PARKWAY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $50 | — | $50 | 0.08% |
| CYNTHIA K CARD3 | 5042 KNOX STREET LINCOLN, NE 68504 | AFLAC | $40 | — | $40 | 0.07% |
| KERRY RAE BUTZKE3 | 1511 448TH UTICA, NE 68456 | AFLAC | $39 | — | $39 | 0.07% |
| KENNETH A OSTERMEIER3 | 345 COUNTY ROAD 3150 KEMPNER, TX 76539 | AFLAC | $38 | — | $38 | 0.06% |
| BRANDON DRAEGER INC3 Filed as: BRANDON DRAEGER INC. | 2900 S 70TH STREET, SUITE 300 LINCOLN, NE 68506 | AFLAC | $37 | — | $37 | 0.06% |
| THE C & S GROUP INC3 Filed as: THE C&S GROUP INC. | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $34 | — | $34 | 0.06% |
| DAWN SHERLOCK & ASSOCIATES INC3 Filed as: DAWN SHERLOCK & ASSOCIATES INC. | 8462 W WILDWOOD DRIVE ALBA, NE 68810 | AFLAC | $31 | — | $31 | 0.05% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | AFLAC | $31 | — | $31 | 0.05% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $25 | — | $25 | 0.04% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $24 | — | $24 | 0.04% |
| ESTHER L BEZAN3 | 1411 COUNTRY CLUB LANE BEATRICE, NE 68310 | AFLAC | $22 | — | $22 | 0.04% |
| RANDY W BRADSHAW3 | 4004 NE 62ND TERR GLADSTONE, MO 64119 | AFLAC | $21 | — | $21 | 0.04% |
| TAMARA E RUSH3 | 9319 TAYLOR CLIFF LN CYPRESS, TX 77433 | AFLAC | $21 | — | $21 | 0.04% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $13 | — | $13 | 0.02% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL L BRAUN3 | 1718 DEVOE DR LINCOLN, NE 68506 | AFLAC | $9 | — | $9 | 0.02% |
| MICHAEL OSTERMEIER3 Filed as: MICHAEL E OSTERMEIER | 1735 STERLING TRACE DR KELLER, TX 76248 | AFLAC | $9 | — | $9 | 0.02% |
| MICHAEL COPPESS3 | 108 N 49TH STREET, SUITE 207 OMAHA, NE 68132 | AFLAC | $9 | — | $9 | 0.02% |
| CRAIG M REMMERS3 | P.O. BOX 283 YORK, NE 68467 | AFLAC | $8 | — | $8 | 0.01% |
| LUCAS MAGDANZ3 | 6931 BERNESE BLVD LINCOLN, NE 68516 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN A DONALDSON3 | 507 N SAM HOUSTON PARKWAY E SUITE 450 HOUSTON, TX 77060 | AFLAC | $4 | — | $4 | 0.01% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL LEE BURNS3 | 3001 FLETCHER AVE APT 152 LINCOLN, NE 68504 | AFLAC | $2 | — | $2 | 0.00% |
| INSPRO INC3 Filed as: INSPRO, INC. | 100 E 6TH STREET FREMONT, NE 68026 | FOUR EVER LIFE INS CO. | $3K | $2K | $5K | 12.00% |
| INSPRO INC3 Filed as: INSPRO INC. | P.O. BOX 689 FREMONT, NE 68026 | AMERITAS LIFE INSURANCE CORP. | $8K | $303 | $9K | 22.34% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 3.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 7 | $40K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 367 | $39K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $162K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $162K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $162K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 323 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.