| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN R. JOBMAN, INC3 | P.O. BOX 518 BRIDGEPORT, NE 69336 | PRUDENTIAL FINANCIAL | — | — | $0 | 0.00% |
| REGIONAL CARE INC3 Filed as: REGIONAL CARE, INC. | — | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $6K | — | $6K | 10.00% |
| STEVEN R. JOBMAN, INC3 | P.O. BOX 518 BRIDGEPORT, NE 69336 | PRUDENTIAL FINANCIAL | $11K | — | $11K | 117.45% |
| STEVEN R. JOBMAN, INC3 | P.O. BOX 518 BRIDGEPORT, NE 69336 | VISION SERVICE PLAN | $613 | — | $613 | 6.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE, INC. EIN 47-0760050 TPA | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $87K |
| STEVE R. JOBMAN EIN 47-0770869 BROKER | Insurance agents and brokers Service code 22 | P.O. BOX 518 BRIDGEPORT, NE 69336 | $18K |
| MIDLANDS CHOICE EIN 47-0804331 PPO NETWORK | Insurance services Service code 23 | 8420 W. DODGE ROAD, SUITE 210 OMAHA, NE 68114 | $8K |
| COFINITY EIN 20-1274723 PPO | Insurance services Service code 23 | 5231 PAYSHPERE CIRCLE CHICAGO, IL 606745231 | $7K |
| PRUDENTIAL INSURANCE COMPANY | Plan Administrator Service code 14 | — | $3K |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 226 | $9K |
| Life insurance(2 contracts) | PRUDENTIAL FINANCIAL | 313 | $96K |
| Long-term disability(2 contracts) | PRUDENTIAL FINANCIAL | 175 | $86K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 227 | $279K |
| Other(8 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 313 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.