| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT HEALTH ADVISOR3 | — | GERBER LIFE INSURANCE COMPANY | $27K | — | $27K | 5.12% |
| REGIONAL CARE INC3 Filed as: REGIONAL CARE, INC. | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| DONALD BRIAN PILKINGTON3 | 2109 3RD AVE SCOTTSBLUFF, NE 69361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 9.10% |
| MBA AGENCY LLC3 | 109 COURT PLAZA GRETNA, NE 68028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 7.67% |
| CRYSTAL FAITH MILLER3 | 1811 N 140TH STREET OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $1 | $96 | 2.41% |
| AMANDRA JEANNE KANE3 | 7505 SE VANDALIA DR RUNNELLS, IA 50237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $9 | $76 | 1.91% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 134 | $526K |
| Prescription drug | ELIXIR CRAFTED RX SOLUTIONS | 135 | $261K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 135 | $27K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.