| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST SUITE 200 ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $0 | $18K | $18K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSPRO A MARSH & MCLENNAN AGENCY | PO BOX 689 FREMONT, NE 68026 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 12329 SOUTHPORT PKWY STE 100 LA VISTA, NE 68128 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $171 | $0 | $171 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSPRO A MARSH & MCLENNAN AGENCY | PO BOX 689 FREMONT, NE 68026 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 6.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 12329 SOUTHPORT PKWY STE 100 LA VISTA, NE 68128 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $969 | $0 | $969 | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 12329 SOUTHPORT PKWY STE 100 LA VISTA, NE 68128 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $677 | $0 | $677 | 6.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSPRO A MARSH & MCLENNAN AGENCY | PO BOX 689 FREMONT, NE 68026 | UNITED HEALTHCARE INSURANCE COMPANY | $914 | $0 | $914 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 12329 SOUTHPORT PKWY STE 100 LA VISTA, NE 68128 | METROPOLITAN LIFE INSURANCE COMPANY | $874 | $0 | $874 | 17.57% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $483 | $0 | $483 | 9.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 608 | $2.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 608 | $184K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 608 | $150K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $992K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $992K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $992K |
| Other(5 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 466 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.