| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 12329 SOUTHPORT PKWY #100 LA VISTA, NE 68128 | DELTA DENTAL OF SOUTH DAKOTA | $8K | $0 | $8K | 4.99% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $0 | $23K | 19.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $3K | $0 | $3K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $425 | $2K | 17.28% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | SUN LIFE ASSURANCE COMPANY OF CANADA | $565 | $0 | $565 | 4.61% |
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 | 291 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 482 | $159K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 430 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $118K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $118K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $118K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.