| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (KC SERIES) | 13710 FNB PKWY STE 400 OMAHA, NE 681545298 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 3.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC (KC SERIES) | 444 W. 47TH STSTE 900 KANSAS CITY, MO 641221906 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.25% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STSTE 900 KANSAS CITY, MO 641221906 | AMERITAS LIFE INSURANCE CORP | — | $6K | $6K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTH CARE EIN 41-1289245 NONE | Contract Administrator Service code 13 | 9700 HEALTH CARE LANE MINNETONKA, MN 55343 | $363K |
| WELLNESS PARTNERS LLC EIN 20-5668686 NONE | Contract Administrator Service code 13 | PO BOX 488 MCCOOK, NE 69001 | $161K |
| AMERITAS EIN 41-1289245 NONE | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $40K |
| PAYFLEX EIN 47-0804495 NONE | Contract Administrator Service code 13 | 10802 FARNAM DR SUITE 100 OMAHA, NE 68154 | $14K |
| WELLS FARGO EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1248 O ST LINCOLN, NE 68508 | $11K |
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 | 950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.