| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MMA SERVICE CORP3 Filed as: MMA UPPER MIDWEST LINCOLN, NE | — | QBE INSURANCE | — | $17K | $17K | 5.00% |
| BRANDEN BENDER3 | 12329 SOUTHPPORT PARKWAY #100 LA VISTA, NE 68128 | DELTA DENTAL OF SOUTH DAKOTA | $7K | — | $7K | 4.96% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 NORTH 203RD STREET SUITE 200 ELKHORN, NE 68022 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $5K | $20K | 21.91% |
| INSPRO INC3 Filed as: INSPRO - LINCOLN | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSPRO A MARSH & MCLENNAN AGENCY LL | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $229 | — | $229 | 0.85% |
| INSPRO INC3 Filed as: INSPRO - LINCOLN | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | — |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 181 | $140K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 389 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $91K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $91K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $91K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 364 | $338K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.