| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL SERVICE | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.86% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INS | 5057 KELLER SPRINGS ROAD, SUITE 200 ADDISON, TX 75001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.06% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DIVER CALEDONIA, MI 49316 | DELTA DENTAL OF IOWA | $447 | $0 | $447 | 5.23% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL SERVICE | 4221 NORTH 203RD STREET ELKHORN, NE 68022 | DELTA DENTAL OF IOWA | $416 | $0 | $416 | 4.86% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $21 | $0 | $21 | 1.59% |
| VON THOMAS3 | 3355 FLETCHER ROAD SEWARD, NE 68434 | AFLAC | $18 | $0 | $18 | 1.36% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | PO BOX 85 SEWARD, NE 68434 | AFLAC | $17 | $0 | $17 | 1.29% |
| TODD H BURRER3 Filed as: TODD H. BURRER | 11711 ARBOR STREET, SUITE 215 OMAHA, NE 68144 | AFLAC | $15 | $0 | $15 | 1.13% |
| RIHA BENEFITS GROUP & OTHERS AGENTS3 | 302 EAST 6TH STREET STUART, NE 68780 | AFLAC | $14 | $0 | $14 | 1.06% |
| HEATHER D. HOLLAND3 | 621 OAKMONT DRIVE PLATTSMOUTH, NE 68048 | AFLAC | $9 | $0 | $9 | 0.68% |
| MARK FRIEHE3 Filed as: MARK E. FRIEHE | 11329 P STREET, SUITE 120 OMAHA, NE 68137 | AFLAC | $7 | $0 | $7 | 0.53% |
No Schedule C service providers reported on this filing.
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL OF IOWA | 64 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $55K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.