| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | HARTFORD LIFE AND ACCIDENT | $15K | $9K | $23K | 16.97% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $13K | $2K | $15K | 11.39% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | STANDARD INSURANCE COMPANY | $3K | $292 | $3K | 10.04% |
| CONSTANZO & ASSOCIATES INC3 Filed as: CONSTANZO AND ASSOCIATES, INC. | 10416 NORTH 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | $0 | $279 | 2.75% |
| TIM OLSON INC3 Filed as: TIM OLSON, INC. | 20214 VETERANS DRIVE, SUITE 200 ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | $0 | $143 | 1.41% |
| ROSS C NELSON3 Filed as: ROSS C. NELSON | 2711 LEIGH LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.36% |
| MARK FRIEHE3 | 4611 SOUTH 96TH STREET, SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.27% |
| CHRISTOPHER L MILLER3 Filed as: CHRISTOPHER L. MILLER | 488 LEMONT DRIVE, APARTMENT N235 NASHVILLE, TN 37216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.25% |
| TODD H BURRER3 Filed as: TODD H. BURRER | 17445 ARBOR STREET, SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.19% |
| THE WINCHMANN GROUP, INC.3 | 10810 SOUTH 204TH AVENUE CIRCLE SUITE 106 GRETNA, NE 68028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 10.18% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 2.17% |
| BRIAN OBAL3 | 3190 FAIRVIEW PARK DRIVE, SUITE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.31% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 433 | $128K |
| Vision | STANDARD INSURANCE COMPANY | 167 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 189 | $138K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 105 | $10K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 189 | $138K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.