| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY STE 300 OMAHA, NE 681540279 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.37% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PKWY STE 300 OMAHA, NE 681450279 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.42% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 681450279 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.12% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 681450279 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.89% |
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, NE 681450279 | AMERITAS LIFE INSURANCE CORP. | $1K | $171 | $1K | 11.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST INSRUANCE GROUP, LLC | 14010 FNB PKWY STE 300 OMAHA, NE 681450279 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $584 | — | $584 | 17.13% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 195 | $13K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $20K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $20K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $20K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.