| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 Filed as: INSPRO, INC | 100 EAST 6TH PO BOX 689 FREMONT, NE 68026 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $50K | — | $50K | 2.10% |
| BRANDEN BENDER3 | INSPRO, INC. 4000 PINE LAKE ROAD LINCOLN, NE 68516 | DELTA DENTAL OF SOUTH DAKOTA | $10K | — | $10K | 5.00% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.15% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.91% |
| INSPRO INC3 Filed as: INSPRO-LINCOLN | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.30% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.16% |
| INSPRO INC3 | 12702 WESTPORT PARKWAY SUITE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 NORTH 203RD STREET SUITE 200 ELKHORN, NE 68022 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $1K | $5K | 19.03% |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 75 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 286 | $201K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 716 | $42K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 880 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $62K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $63K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 304 | $2.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 880 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.