| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 13810 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $71K | — | $71K | 2.88% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD OF NEBRASKA | PO BOX 3248 OMAHA, NE 68180 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $50K | $50K | 2.02% |
| INNOVATIVE CAPTIVE SOLUTIONS3 | 2727 GRAND PARKWAY WAUKEE, IA 50263 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $39K | $39K | 1.59% |
| PRIME THERAPUTICS0 | 1305 CORPORATE CENTER DR EAGAN, MN 55121 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $26K | — | $26K | 1.05% |
| SHANE BAACK3 | PO BOX 426 SEWARD, NE 68434 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 9.15% |
| SHANE BAACK3 | PO BOX 426 SEWARD, NE 68434 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 6.16% |
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 | 274 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 455 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $266K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $266K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 427 | $675K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $410K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.