| 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 | $1K | $22K | 3.53% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INSURANCE SERVICES. LLC | 290 E JOHN CARPENTER FREEWAY IRVING, TX 75062 | IRONSHORE INDEMNITY, INC. | $13K | — | $13K | 5.00% |
| TIM OLSON INC3 | 16820 FRANCES ST SUITE 202 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORP | $7K | $991 | $8K | 11.42% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS | 4910 DODGE ST SUITE 103 OMAHA, NE 68132 | AFLAC | $2K | — | $2K | 6.65% |
| TIM OLSON INC3 Filed as: TIM OLSON, INC. | 16820 FRANCES ST SUITE 202 OMAHA, NE 68130 | AFLAC | $1K | — | $1K | 4.22% |
| CHARLES L PRICE3 Filed as: CHARLES PRICE | 915 E DONEGAL ST ONEILL, NE 68763 | AFLAC | $933 | — | $933 | 2.84% |
| MJ INSURANCE3 Filed as: KRINGS ENTERPRISES & VARIOUS AGENTS | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $364 | — | $364 | 1.11% |
| TONI L HARMS3 Filed as: TONI HARMS | 5925 E STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $170 | — | $170 | 0.52% |
| MARJORIE A ZISKA3 Filed as: MARJORIE ZISKA | 524 E DONEGAL ST ONEILL, NE 68763 | AFLAC | $119 | — | $119 | 0.36% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, INC. | 1502 N METCALF RD LOUISBURG, KS 66053 | AFLAC | $1 | — | $1 | 0.00% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR SUITE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR SUITE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR SUITE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $616 | — | $616 | 10.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 138 | $635K |
| Dental | AMERITAS LIFE INSURANCE CORP | 217 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP | 217 | $70K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $23K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC. | 73 | $263K |
| Other(3 contracts, 2 carriers) | AFLAC | 114 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.