| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE AND FNCL SVCS INC3 Filed as: OCI INSURANCE AND FNCL SVCS IN | 17445 ARBOR SUITE 310 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.92% |
| OCI INSURANCE AND FNCL SVCS INC3 | 17445 ARBOR STREET SUITE 310 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $887 | $4K | 7.94% |
| NICHOLAS F. KELLEY3 Filed as: F NICHOLAS KELLEY | 17110 MARCY STREET SUITE 1041311 OMAHA, NE 681183119 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 14.25% |
| DONADO RICHARD3 | 10250 REGENCY CTR. OMAHA, NE 68114 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.71% |
| CORBIN L. LAMBERT3 Filed as: CORBIN L LAMBERT | 10250 REGENCY CIRCLE SUITE 250 OMAHA, NE 681143735 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $507 | $0 | $507 | 1.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $871 | $9K | 22.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $190 | $190 | 0.49% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR. SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.11% |
| AON CONSULTING INC3 Filed as: AON COUNSULTING INC | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.10% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 763 | $3.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 476 | $175K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $97K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $90K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.