| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 6.38% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.57% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 3.86% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.58% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | — | $284 | 0.18% |
| MCKINNEY AMY L3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.06% |
| FLICKINGER WILLIAM F3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.03% |
| WINTERS SHELLEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | BLUECROSS BLUESHIELD NEBRASKA | $99K | — | $99K | 63.24% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | VISION SERVICE PLAN | $2K | — | $2K | 3.37% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEBRASKA EIN 47-0685003 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1299 FARNAM ST STE 300 OMAHA, NE 68102 | $31K |
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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD NEBRASKA | 971 | $221K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 971 | $65K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 971 | $128K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $189K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 488 | $47K |
| Other(3 contracts, 3 carriers) | BERKLEY ACCIDENT AND HEALTH | 971 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.