| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NP DODGE INSURANCE AGENCY INC3 Filed as: NP DODGE INSURANCE AGENCY INC. | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | DELTA DENTAL OF NEBRASKA | $20K | $0 | $20K | 9.96% |
| NP DODGE INSURANCE AGENCY INC3 Filed as: NP DODGE INSURANCE AGENCY INC. | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| NP DODGE INSURANCE AGENCY INC3 Filed as: NP DODGE INSURANCE AGENCY INC. | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| NP DODGE INSURANCE AGENCY INC3 Filed as: NP DODGE INSURANCE AGENCY INC. | 8701 W DODGE RD STE. 100 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| NP DODGE INSURANCE AGENCY INC3 Filed as: NP DODGE INSURANCE AGENCY INC. | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| NP DODGE INSURANCE AGENCY INC3 Filed as: NP DODGE INSURANCE AGENCY INC. | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $168K |
| DODGE PARTNERS INSURANCE LLC EIN 84-2636954 BROKER | Other commissions Service code 55 | 8701 W DODGE RD. STE. 100 OMAHA, NE 68114 | $149K |
| NP DODGE INSURANCE AGENCY INC. EIN 26-2449546 BROKER | Other commissions Service code 55 | 8701 W DODGE RD STE 100 OMAHA, NE 68114 | $14K |
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 | 930 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEBRASKA | 761 | $204K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 930 | $43K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $106K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 394 | $839K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.