| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.53% |
| INSPRO INC3 Filed as: INSPRO INC. | P.O. BOX 689 FREMONT, NE 68026 | PRINCIPAL LIFE INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| AMY LORRAINE LUTHER3 Filed as: AMY LUTHER | 6620 NW DEARING DRIVE PARKVILLE, MO 64152 | AFLAC | $4K | $284 | $4K | 7.15% |
| INSPRO INC3 Filed as: INSPRO INC. | 100 E 6TH STREET FREMONT, NE 68025 | AFLAC | $985 | — | $985 | 1.61% |
| JAMES A BELLOWS3 | P.O. BOX 549 YORK, NE 86936 | AFLAC | $834 | — | $834 | 1.36% |
| CHAD JOSEPH BASLER3 | 2301 BURLINGTON ST, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $424 | $47 | $471 | 0.77% |
| MONICA BLAINE BROCKMAN3 Filed as: MONICA BROCKMAN | 10904 N DONNELLY COURT KANSAS CITY, MO 64157 | AFLAC | $420 | — | $420 | 0.68% |
| THE LUTHER GROUP LLC3 | 6620 NW DEARING DRIVE PARKVILLE, MO 64152 | AFLAC | $360 | — | $360 | 0.59% |
| ERIC J HENNEGIN3 | 7604 S PEOGA ROAD TRAFALGAR, IN 46181 | AFLAC | $187 | — | $187 | 0.30% |
| SANDRA KARL3 Filed as: SANDRA K KARL | 18400 SW 100TH STREET CRETE, NE 68333 | AFLAC | $148 | — | $148 | 0.24% |
| THOMAS EDWARD SHEFFIELD3 Filed as: THOMAS EDWARD SHEFFILED | P.O. BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $144 | — | $144 | 0.23% |
| KRINGS ENTERPRISES INC3 Filed as: KRINGS ENTERPRISES INC. | 5530 WEST PARKWAY, SUITE 100 JOHNSTON, IA 50131 | AFLAC | $107 | — | $107 | 0.17% |
| KERRY R PICKARD3 | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC | $104 | — | $104 | 0.17% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $90 | — | $90 | 0.15% |
| RYAN LAGER3 | 8342 N OVERLAND DRIVE KANSAS CITY, MO 64151 | AFLAC | $78 | — | $78 | 0.13% |
| FRANCES POTTER3 | 1540 N COTNER BLVD, APT 215 LINCOLN, NE 68505 | AFLAC | $77 | — | $77 | 0.13% |
| TARA JORDAN3 | 800 LAKESHORE DRIVE TUSCOLA, IL 61953 | AFLAC | $77 | — | $77 | 0.13% |
| TARA M HELLER3 Filed as: TARA HELLER | 2301 BURLINGTON STREET KANSAS CITY, MO 64116 | AFLAC | $71 | — | $71 | 0.12% |
| KATRINA K MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $70 | — | $70 | 0.11% |
| JANICE ROBINSON3 | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77388 | AFLAC | $56 | — | $56 | 0.09% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRIMLICH INC. | 455 S SAM BARR DRIVE, SUITE 205 KEARNEY, MO 64060 | AFLAC | $50 | — | $50 | 0.08% |
| THE C & S GROUP INC3 Filed as: THE C&S GROUP INC. | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $50 | — | $50 | 0.08% |
| CYNTHIA K CARD3 | 5042 KNOX STREET LINCOLN, NE 68504 | AFLAC | $42 | — | $42 | 0.07% |
| KENNETH A OSTERMEIER3 | 345 COUNTY ROAD 3150 KEMPNER, TX 76539 | AFLAC | $39 | — | $39 | 0.06% |
| BRANDON DRAEGER INC3 Filed as: BRANDON DRAEGER INC. | 2900 S 70TH STREET, SUITE 300 LINCOLN, NE 68506 | AFLAC | $37 | — | $37 | 0.06% |
| BUTZKE INSURANCE INC3 | 1511 448TH UTICA, NE 68456 | AFLAC | $37 | — | $37 | 0.06% |
| THOMAS D. CRICK3 | 3317 GATEWAY DRIVE INDEPENDENCE, MO 64057 | AFLAC | $31 | — | $31 | 0.05% |
| 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% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA D. WELKEN-PLACE | 14710 W DODGE ROAD, SUITE 200 OMAHA, NE 68154 | AFLAC | $30 | — | $30 | 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% |
| TAMARA E RUSH3 | 9319 TAYLOR CLIFF LN CYPRESS, TX 77433 | AFLAC | $21 | — | $21 | 0.03% |
| ESTHER BEZAN3 | 8747 EXECUTIVE WOODS DRIVE, APT 31 LINCOLN, NE 68512 | AFLAC | $21 | — | $21 | 0.03% |
| RANDY W BRADSHAW3 | 4004 NE 62ND TERR GLADSTONE, MO 64119 | AFLAC | $21 | — | $21 | 0.03% |
| MICHAEL COPPESS3 | 108 N 49TH STREET, SUITE 207 OMAHA, NE 68132 | AFLAC | $18 | — | $18 | 0.03% |
| MICHELLE RAE MAGUIRE3 Filed as: MICHELLE MAGUIRE | 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 | 0.01% |
| MICHAEL OSTERMEIER3 Filed as: MICHAEL E OSTERMEIER | 1735 STERLING TRACE DR KELLER, TX 76248 | AFLAC | $9 | — | $9 | 0.01% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 732 SILVER SANDS DRIVE CORDOVA, TN 38018 | AFLAC | $9 | — | $9 | 0.01% |
| CRAIG M REMMERS3 | P.O. BOX 283 YORK, NE 68467 | AFLAC | $6 | — | $6 | 0.01% |
| LUCAS MAGDANZ3 | 6931 BERNESE BLVD LINCOLN, NE 68516 | AFLAC | $5 | — | $5 | 0.01% |
| JOSEPH ZEZZA3 | 9855 N LEWIS AVENUE KANSAS CITY, MO 64157 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN A DONALDSON3 | 800 ROCKMEAD DRIVE, SUITE 208 KINGWOOD, TX 77339 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 4610 N 134TH AVENUE OMAHA, NE 68164 | AFLAC | $4 | — | $4 | 0.01% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $3 | — | $3 | 0.00% |
| JENNIFER SMITH3 | 319 N MAIN AVENUE, SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL LEE BURNS3 | 3001 FLETCHER AVE APT 152 LINCOLN, NE 68504 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL CEJKA3 | 8200 RENATTA DRIVE, APT 1201 LINCOLN, NE 68516 | AFLAC | $2 | — | $2 | 0.00% |
| JOSEPH LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL J MCMECHAN3 Filed as: DANIEL MCMECHAN | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $1 | — | $1 | 0.00% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA BAILEY3 | 354 LAKESIDE DRIVE LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| JANET RIGSBY3 | 801 MELANAE COURT LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| FRANCES OSTERMEIER3 | 345 COUNTY ROAD 3150 KEMPNER, TX 76539 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FOUR EVER LIFE INS CO. | $2K | — | $2K | 8.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BCBS OF NEBRASKA | 1919 ARKSARBEN DRIVE OMAHA, NE 68180 | FOUR EVER LIFE INS CO. | — | $879 | $879 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIMPLYWELL ADMINISTRATOR | Contract Administrator Service code 13 | 9140 WEST DODGE RD, 408 402-552-3415 OMAHA, NE 68114 | $29K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | — | $8K |
| INFINISOURCE ADMINISTRATOR | Contract Administrator Service code 13 | 15 E. WASHINGTON STREET 800-300-3838 COLDWATER, MI 49036 | $8K |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 7 | $22K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 411 | $43K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 513 | $181K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 513 | $181K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 513 | $181K |
| Other | AFLAC | 80 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.