| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 9394 W DODGE RD STE 250 OMAHA, NE 681143319 | BLUECROSS BLUESHIELD OF NEBRASKA | $59K | $3K | $63K | 1.93% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING INC | 323 MAIN ST SENECA, KS 665381923 | VISION SERVICE PLAN | $1K | — | $1K | 9.98% |
| USI INSURANCE SERVICES LLC3 | 9394 W DODGE RD STE 250 OMAHA, NE 681143319 | AMERITAS LIFE INSURANCE CORP | $4K | $123 | $4K | 32.10% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERRDING | 323 MAIN SENECA, KS 66538 | VISION CARE DIRECT | $534 | — | $534 | 7.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 221 | $3.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 128 | $12K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 76 | $22K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF NEBRASKA | 221 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.