| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD SUITE 250 OMAHA, NE 68114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.31% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $65 | $65 | 0.05% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INS AGENCY INC | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INS AGENCY INC | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| COSTANZO & ASSOCIATES INC3 | 10416 NORTH 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.08% |
| TIM OLSON INC3 | 20214 VETERANS DRIVE SUITE 200 ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.55% |
| MARK FRIEHE3 | 4611 SOUTH 96TH STREET SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | — | $630 | 1.10% |
| CHRISTOPHER L MILLER3 | 610 SOUTH 55TH STREET OMAHA, NE 68106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $535 | — | $535 | 0.93% |
| ROSS C NELSON3 | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | — | $375 | 0.65% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INS AGENCY INC | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.19% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INS AGENCY INC | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68137 | STANDARD INSURANCE COMPANY | $543 | — | $543 | 1.77% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $543 | — | $543 | 1.77% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 185 | $126K |
| Vision | STANDARD INSURANCE COMPANY | 154 | $31K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 187 | $139K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 89 | $57K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 187 | $139K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE INSURANCE | 180 | $369K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 187 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.