| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $21K | $7K | $28K | 5.07% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INSURANCE SERVICES | 290 E JOHN CARPENTER FREEWAY IRVING, TX 75062 | COMPANION LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORP | $8K | $1K | $9K | 11.62% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS | 4910 DODGE STREET SUITE 103 OMAHA, NE 68132 | AFLAC | $1K | — | $1K | 4.99% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AFLAC | $902 | — | $902 | 3.12% |
| CHARLES L PRICE3 | 915 E DONEGAL STREET ONEILL, NE 68763 | AFLAC | $877 | — | $877 | 3.03% |
| MJ INSURANCE3 Filed as: KRINGS ENTERPRISES & VARIOUS AGENTS | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $315 | — | $315 | 1.09% |
| MJ INSURANCE3 Filed as: COSTANZO & ASSOC AND VARIOUS AGENTS | 10416 N 48TH STREET OMAHA, NE 68152 | AFLAC | $0 | $190 | $190 | 0.66% |
| TONI L HARMS3 | 5925 E STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $147 | — | $147 | 0.51% |
| MARJORIE A ZISKA3 | 524 E DONEGAL STREET ONEILL, NE 68763 | AFLAC | $108 | — | $108 | 0.37% |
| MJ INSURANCE3 Filed as: BASS ENTERPRISE AND VARIOUS AGENTS | 84403 HIGHWAY 7 BREWSTER, NE 68821 | AFLAC | $56 | — | $56 | 0.19% |
| MJ INSURANCE3 Filed as: WILLINGHAM INC AND VARIOUS AGENTS | 1502 N METCALF ROAD LOUISBURG, KS 66053 | AFLAC | $2 | — | $2 | 0.01% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DRIVE SUITE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DRIVE SUITE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DRIVE SUITE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONIAL LIFE INSURANCE COMPANY | $576 | — | $576 | 9.99% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 149 | $551K |
| Dental | AMERITAS LIFE INSURANCE CORP | 226 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORP | 226 | $77K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $19K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 71 | $255K |
| Other(3 contracts, 3 carriers) | AFLAC | 117 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.