| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDEN BENDER3 | INSPRO, INC. 4000 PINE LAKE ROAD LINCOLN, NE 68516 | DELTA DENTAL OF SOUTH DAKOTA | $8K | — | $8K | 5.00% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.77% |
| INSPRO INC3 Filed as: INSPRO-LINCOLN | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.05% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 NORTH 203RD STREET SUITE 200 ELKHORN, NE 68022 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $57 | $2K | 10.03% |
| INSPRO INC3 | PO BOX 6847 LINCOLN, NE 68506 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.56% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.08% |
| INSPRO INC3 | 12702 WESTPROT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| INSPRO INC3 Filed as: INSPRO-LINCOLN | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 7.69% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 267 | $168K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 532 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 432 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $24K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 52 | $42K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 260 | $1.9M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 432 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.