| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INS GROUP LLC DBA THE HARRY A | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $213K | $58K | $271K | 1.13% |
| NEBRASKA BANKERS INS & SRVCS0 Filed as: NEBRASKA MEDICAL ASSOCIATION | 1045 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $0 | $203K | $203K | 0.84% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $149K | $3K | $152K | 0.63% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 9394 WEST DODGE RD. SUITE 250 OMAHA, NE 68114 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $107K | $16K | $123K | 0.51% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SERVICES INC. | 17445 ARBOR STREET SUITE 310 OMAHA, NE 68130 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $101K | $16K | $117K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OMA | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $79K | $7K | $86K | 0.36% |
| OLSON, TIMOTHY H3 Filed as: THE OLSON GROUP | 16820 FRANCES ST. SUITE 202 OMAHA, NE 68130 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $45K | $17K | $62K | 0.26% |
| BENEFIT PLANNING COMPANY OF NE, INC3 Filed as: BENEFIT PLANNING CO OF NEBRASKA INC | 9300 UNDERWOOD AVE SUITE 500 OMAHA, NE 68114 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $44K | $13K | $56K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR. SUITE 100 OMAHA, NE 68154 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $47K | $4K | $51K | 0.21% |
| COMPENSATION PROGRAMS, INC.3 | 1040 N COTNER LINCOLN, NE 68505 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $25K | $5K | $30K | 0.13% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS | 12105 ANNE STREET OMAHA, NE 68137 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $27K | $72 | $27K | 0.11% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 | 6041 VILLAGE DR. SUITE 100 PO BOX 6938 OMAHA, NE 68516 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $14K | $10K | $24K | 0.10% |
| PREFERRED MARKETING ASSOCIATES3 | 3530 N. 163RD PLAZA OMAHA, NE 68116 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $10K | $2K | $12K | 0.05% |
| MICHAEL R WILLIAMS3 | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $4K | $8K | $12K | 0.05% |
| INSPRO INC3 Filed as: INSPRO | 100 E 6TH STREET FREMONT, NE 68026 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $5K | $6K | $11K | 0.05% |
| DAUBERT & BUTLER ASSOCIATES3 | 5710 S 53RD ST LINCOLN, NE 68516 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $5K | $0 | $5K | 0.02% |
| HEALTHSURE INSURANCE SERVICES3 Filed as: HEALTHSURE INSURANCE SERVICES INC. | 5900 SOUTHWEST PKWY SUITE 200 AUSTIN, TX 78735 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $4K | $0 | $4K | 0.02% |
| FARM BUREAU PROPERTY AND CASUALTY3 | 5400 UNIVERSITY AVE. WEST DES MOINES, IA 50266 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $2K | $396 | $3K | 0.01% |
| K.A.K. BROKERAGE, INC.3 | 3440 MADISON AVE. LINCOLN, NE 68504 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $1K | $0 | $1K | 0.01% |
| STEVEN JAMES LIND3 | 29 CAMELOT WAY KEARNEY, NE 68845 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $1K | $0 | $1K | 0.01% |
| DESMET & ASSOCIATES, INC.3 Filed as: DESMET & ASSOCIATES | 14707 CALIFORNIA STREET #3 OMAHA, NE 68154 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $26 | $0 | $26 | 0.00% |
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 | 1,584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | 3,314 | $24.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | 3,314 | $24.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,314 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.