| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DR STE 100 OMAHA, NE 681544420 | VISION SERVICE PLAN | $5K | $53K | $58K | 21.87% |
| TIMOTHY JOHN SHADA3 | PO BOX 153 KEARNEY, NE 68848 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DR #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| STEC INSURANCE AGENCY INC.3 Filed as: STEC INSURANCE AGENCY INC | 3706 C AVE KEARNEY, NE 68847 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DR #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $930 | $930 | 5.00% |
| TIMOTHY JOHN SHADA3 | PO BOX 153 KEARNEY, NE 68848 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DR #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $708 | $708 | 5.00% |
| TIMOTHY JOHN SHADA3 | PO BOX 153 KEARNEY, NE 68848 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $740 | — | $740 | 8.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DR #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $457 | $457 | 5.00% |
| TIMOTHY JOHN SHADA3 | PO BOX 153 KEARNEY, NE 68848 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $362 | — | $362 | 10.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DR #1446 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $181 | $181 | 5.00% |
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 | 2,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,334 | $263K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,661 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 818 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 986 | $14K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,661 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,661 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.