| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NP DODGE INSURANCE AGENCY INC3 | 8701 W DODGE RD STE 100 OMAHA, NE 681143409 | DELTA DENTAL OF NEBRASKA | $11K | — | $11K | 5.99% |
| NP DODGE INSURANCE AGENCY INC3 | 8701 W DODGE RD STE 100 OMAHA, NE 681143409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| NP DODGE INSURANCE AGENCY INC3 | 8701 W DODGE RD STE 100 OMAHA, NE 681143409 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NP DODGE INSURANCE EIN 26-2449546 AFFILIATE | Insurance agents and brokers Service code 22 | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | $180K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 | Contract Administrator Service code 13 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $113K |
| MIDLANDS CHOICE EIN 47-0804331 | Direct payment from the plan Service code 50 | 8420 W DODGE RD STE 210 OMAHA, NE 67114 | $24K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 | Other fees Service code 99 | 7400 WEST CAMPUS ROAD NEW ALBANY, OH 43054 | $20K |
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 | 931 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEBRASKA | 716 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 931 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.