| 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 | $27K | $14K | $41K | 6.08% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $11 | $2K | 5.03% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -3.70% |
| NORTH RISK PARTNERS LLC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.38% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $671 | — | $671 | 3.17% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS AND FINANCIAL SERVICES INC | 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $563 | — | $563 | 2.66% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | PRINCIPAL LIFE INSURANCE COMPANY | — | $387 | $387 | 1.83% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD NEBRASKA | 82 | $673K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $44K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $44K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $21K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.