| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.53% |
| USI INSURANCE SERVICES LLC3 | 93394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 10.69% |
| S. INC. COSTANZO & ASSOCIATE3 | 10416 NORTH 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | $0 | $146 | 2.83% |
| TIM OLSON INC3 Filed as: TIM OLSON, INC. | 20214 VETERANS DRIVE, SUITE 200 ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 1.63% |
| ROSS C NELSON3 Filed as: ROSS C. NELSON | 2711 LEIGH LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.50% |
| CHRISTOPHER L MILLER3 Filed as: CHRISTOPHER L. MILLER | 488 LEMONT DRIVE, APARTMENT N235 NASHVILLE, TN 37216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.41% |
| TODD H BURRER3 Filed as: TODD H. BURRER | 17445 ARBOR STREET, SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.35% |
| MARK FRIEHE3 | 4611 SOUTH 96THE STREET, SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.23% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 537 | $158K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 537 | $158K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 209 | $154K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 6 | $5K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 209 | $154K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 209 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.