| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 200 OMAHA, NE 68114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 9.63% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $39 | $39 | 0.03% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $15 | $15 | 0.01% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $699 | $7K | 6.43% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 4.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 11.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $25 | $25 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $0 | $7K | 10.00% |
| COSTANZO & ASSOCIATES INC3 Filed as: COSTANZO AND ASSOCIATES, INC. | 10416 NORTH 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.71% |
| TIM OLSON INC3 Filed as: TIM OLSON, INC. | 20214 VETERANS DRIVE, SUITE 200 ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $945 | $0 | $945 | 1.90% |
| MARK FREIHE3 | 4611 SOUTH 96TH STREET, SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | $0 | $206 | 0.41% |
| ROSS C NELSON3 Filed as: ROSS C. NELSON | 2711 LEIGH LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | $0 | $182 | 0.37% |
| CHRISTOPHER L MILLER3 Filed as: CHRISTOPHER L. MILLER | 488 LEMONT DRIVE, APARTMENT N235 NASHVILLE, TN 37216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.22% |
| TODD H BURRER3 Filed as: TODD H. BURRER | 17445 ARBOR STREET, SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.13% |
| THE WICHMANN GROUP INC3 Filed as: THE WICHMANN GROUP, INC. | 10810 SOUTH 204TH AVENUE CIRCLE APARTMENT 106 GRETNA, NE 68028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.10% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $2K | $437 | $2K | 6.44% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.17% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 25.62% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 11.60% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.41% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.61% |
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(2 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 376 | $181K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 157 | $47K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $215K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 105 | $50K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $215K |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.