| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE ROAD SUITE 418 OMAHA, NE 68114 | BLUECROSS AND BLUESHIELD OF NEBRASKA | — | $29K | $29K | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF NEBRASKA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | $526K |
| SWARTZBAUGH-FARBER & ASSOCIATES,INC EIN 47-0771274 CONSULTANT | Consulting (general) Service code 16 | — | $27K |
| PRIME THERAPEUTICS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $0 |
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 | 1,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF NEBRASKA | 1,903 | $12.9M |
| Prescription drug | BLUECROSS AND BLUESHIELD OF NEBRASKA | 1,903 | $12.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,903 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.