| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONAL CARE INC3 Filed as: REGIONAL CARE INC. | 905 W 27TH ST. SCOTTSBLUFF, NE 69361 | COMPANION LIFE | $49K | $39K | $88K | 20.99% |
| MEDTRAK SERVICES Filed as: MEDTRAK | 7101 COLLEGE BLVD SUITE 100 OVERLAND PARK, KS 66210 | COMPANION LIFE | $0 | $10K | $10K | 2.34% |
| REGIONAL CARE INC Filed as: REGIONAL CARE INC. | 905 W 27TH ST. APT 5 SCOTTSBLUFF, NE 69361 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| REGIONAL CARE INC3 | 905 W 27TH ST. SCOTTSBLUFF, NE 69361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $916 | $0 | $916 | 6.54% |
| J G ELLIOTT COMPANY3 Filed as: JG ELLIOTT COMPANY | PO BOX 1648 SCOTTSBLUFF, NE 69363 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE INC. EIN 47-0760050 TPA | Claims processing Service code 12 | 905 W 27TH ST. SCOTTSBLUFF, NE 69361 | $88K |
| MIDLANDS CHOICE EIN 47-0804331 PPO NETWORK | Insurance services Service code 23 | 8420 W DODGE ROAD SUITE 210 OMAHA, NE 68114 | $7K |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $14K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 174 | $418K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 409 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.