| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.09% |
| INSGROUP INC3 Filed as: FIRST INS GROUP DBA/THE HARRY A | PO BOX 45279 OMAHA, NE 68145 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.04% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.69% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.65% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.92% |
| INSPRO INC3 | 100 EAST 6TH STREET FREMONT, NE 68026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $948 | — | $948 | 8.59% |
| BRADLEY J SMITH3 Filed as: BRADLEY J. SMITH | PO BOX 6847 LINCOLN, NE 68506 | KANSAS CITY LIFE INSURANCE COMPANY | $738 | — | $738 | 10.98% |
| BRADLEY J SMITH3 | PO BOX 6847 LINCOLN, NE 68506 | KANSAS CITY LIFE INSURANCE COMPANY | $421 | — | $421 | 11.99% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 191 | $957K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $76K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $36K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $32K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.