| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 17445 ARBOR ST STE 310 OMAHA, NE 681304645 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $90 | $8K | 4.14% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $674 | $674 | 0.34% |
| KELLEY FREDRICK NICHOLAS3 | 17110 MARCY ST STE 104 OMAHA, NE 681183119 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.83% |
| DAVID J MEANS3 Filed as: DAVID MEANS | 100 S 5TH STREET SUITE 2300 MINNEAPOLIS, MN 554021203 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $245 | — | $245 | 0.54% |
| LAMBERT CORBIN L3 | 17117 BURT ST STE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $139 | — | $139 | 0.31% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 661 | $3.6M |
| Dental | DELTA DENTAL OF MISSOURI | 749 | $250K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $197K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $197K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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 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.