| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HEALTH ADVISOR3 | — | GARDEN STATE LIFE INSURANCE CO | $17K | — | $17K | 3.00% |
| DANNIE JOHNSON3 Filed as: DANNIE CHRIS JOHNSON | PO BOX 336243 GREELEY, CO 80633 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47K | — | $47K | 22.42% |
| ROBERT BALL3 Filed as: ROBERT JEFFERY BALL | PO BOX 336386 GREELEY, CO 80633 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.72% |
| MICHAEL EDWARD LEES3 | 40 GARFIELD DENVER, CO 80206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $407 | $2K | 1.04% |
| DANIEL CORY3 | 300 E 17TH AVE DENVER, CO 80203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $135 | $395 | 0.19% |
| DEAN A RAHMIG3 | 22 E 21ST ST SCOTTSBLUFF, NE 69361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TMB ENTERPRISES INC3 | 18890 56TH ROAD KEARNEY, NE 68845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MIKE BROOMFIELD3 | PO BOX 74 MCCOOK, NE 69001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEVEN R. JOBMAN, INC3 | P.O. BOX 518 BRIDGEPORT, NE 69336 | PRUDENTIAL FINANCIAL | $14K | — | $14K | 18.64% |
| REGIONAL CARE INC3 Filed as: REGIONAL CARE, INC. | 905 W. 27TH STREET SCOTTSBLUFF, NE 693611545 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| STEVEN R. JOBMAN, INC3 | P.O. BOX 518 BRIDGEPORT, NE 693360518 | VISION SERVICE PLAN | $750 | — | $750 | 7.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE, INC. EIN 47-0760050 TPA | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $73K |
| STEVE R. JOBMAN EIN 47-0770869 BROKER | Insurance agents and brokers Service code 22 | P.O. BOX 518 BRIDGEPORT, NE 69336 | $34K |
| MIDLANDS CHOICE EIN 47-0804331 PPO NETWORK | Insurance services Service code 23 | 8420 W. DODGE ROAD, SUITE 210 OMAHA, NE 68114 | $9K |
| COFINITY EIN 20-1274723 PPO | Insurance services Service code 23 | 5231 PAYSHPERE CIRCLE CHICAGO, IL 606745231 | $8K |
| MEDICAL COST MANAGE CORP EIN 36-3445315 UR | Insurance services Service code 23 | 200 WEST MONROE STREET, SUITE 1850 CHICAGO, IL 60606 | $6K |
| THE PRUDENTIAL INSURANCE COMPANY | Plan Administrator Service code 14 | — | $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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 246 | $10K |
| Long-term disability | PRUDENTIAL FINANCIAL | 31 | $11K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE CO | 576 | $572K |
| Other(9 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 342 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.