| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL | SERVICES, INC. 4221 N 203RD ST. STE 200 ELKHORN, NE 680223474 | BLUECROSS BLUESHIELD NEBRASKA | $25K | $13K | $39K | 6.85% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $35 | $2K | 6.63% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.60% |
| NORTH RISK PARTNERS LLC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.92% |
| NORTH RISK PARTNERS LLC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 10.04% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS AND FINANCIAL SERVICES INC | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.22% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD NEBRASKA | 56 | $564K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $55K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $20K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.