| 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 | $15K | $0 | $15K | 10.06% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $74 | $74 | 0.05% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.77% |
| COSTANZO & ASSOCIATES INC3 Filed as: COSTANZO AND ASSOCIATES INC | 10416 NORTH 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.85% |
| TIM OLSON INC3 | 20214 VETERANS DRIVE, SUITE 200 ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| MARK FRIEHE3 | 4611 SOUTH 96TH STREET, SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $343 | $0 | $343 | 0.53% |
| ROSS C NELSON3 Filed as: ROSS C. NELSON | UNKNOWN WEST POINT, NE 68788 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335 | $0 | $335 | 0.52% |
| CHRISTOPHER L MILLER3 Filed as: CHRISTOPHER L. MILLER | 488 LEMONT DRIVE, APARTMENT N235 NASHVILLE, TN 37216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | $0 | $188 | 0.29% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $376 | $376 | 1.13% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE INSURANCE COMPANY | $2K | $0 | $2K | 19.04% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $125K |
| Vision | STANDARD INSURANCE COMPANY | 163 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $148K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 103 | $65K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $148K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.