| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 2.79% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.34% |
| LOCKTON COMPANIES, LLC3 | 1015 NORTH 98TH STREET, SUITE 101 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.13% |
| SN BENEFITS, LLC3 | 1120 SOUTH 101ST STREET OMAHA, NE 68124 | UNITEDHEALTHCARE INSURANCE COMPANY | $855 | — | $855 | 0.06% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.