| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD NEBRASKA | P.O. BOX 3248 1919 AKSARBEN DRIVE OMAHA, NE 68180 | BCS FINANCIAL CORPORATION | — | $37K | $37K | 5.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 5.91% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.90% |
| ALKEME INSURANCE SERVICES INC3 | 211 S 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.37% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.32% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $255 | — | $255 | 0.19% |
| MCKINNEY AMY L3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.05% |
| FLICKINGER WILLIAM F3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.04% |
| 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 | $86K | $10K | $96K | 81.10% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | VISION SERVICE PLAN | $2K | — | $2K | 3.38% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 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 | $30K |
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 | 483 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD NEBRASKA | 950 | $201K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 950 | $83K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 950 | $141K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 483 | $197K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $53K |
| Other(3 contracts, 3 carriers) | BCS FINANCIAL CORPORATION | 950 | $955K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.