| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INS GROUP LLC DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $226K | $74K | $300K | 1.43% |
| NEBRASKA BANKERS INS & SRVCS0 Filed as: NEBRASKA MEDICAL ASSOCIATION | 1045 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $171K | $171K | 0.82% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $118K | $38K | $156K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OMA | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $102K | $27K | $129K | 0.61% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS & FINANCIAL SERVICES INC | 17445 ARBOR STREET SUITE 310 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $82K | $23K | $105K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $46K | $13K | $60K | 0.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - MOUNTA | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $43K | $10K | $53K | 0.26% |
| COMPENSATION PROGRAMS, INC.3 Filed as: COMPENSATION PROGRAMS INC | 1040 N COTNER BLVD LINCOLN, NE 68505 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $31K | $7K | $38K | 0.18% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS | 12105 ANNE STREET OMAHA, NE 68137 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $34K | — | $34K | 0.16% |
| OLSON, TIMOTHY H3 Filed as: THE OLSON GROUP | 16820 FRANCES ST #202 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $33K | — | $33K | 0.16% |
| BENEFIT PLANNING COMPANY OF NE, INC3 Filed as: BENEFIT PLANNING OF NE | 9300 UNDERWOOD AVE OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $15K | $9K | $25K | 0.12% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $20K | — | $20K | 0.10% |
| PREFERRED MARKETING ASSOCIATES3 | 3530 N 163RD PLAZA OMAHA, NE 68118 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $14K | — | $14K | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY SE SUITE 300 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $6K | — | $6K | 0.03% |
| FARM BUREAU PROPERTY AND CASUALTY Filed as: FARM BUREAU PROPERTY & CASUALTY INS | 5400 UNIVERSITY AVE WEST DES MOINES, IA 50266 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $4K | $2K | $5K | 0.02% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 Filed as: BETTENHAUSEN INSURANCE SERVICES | 6041 VILLAGE DRIVE, SUITE 100 PO BOX 6938 LINCOLN, NE 68516 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | $644 | $3K | 0.01% |
| KAK BROKERAGE INC3 | 3440 MADISON AVE LINCOLN, NE 68504 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | — | $2K | 0.01% |
| STEVE JAMES LIND3 | 29 CAMELOT WAY KEARNEY, NE 68845 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $1K | — | $1K | 0.01% |
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 | 1,399 | 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) | 1,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 3,493 | $21.0M |
| Dental | BLUE CROSS BLUE SHIELD OF NEBRASKA | 3,493 | $21.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,493 | — |
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.