| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, NE 681450279 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $222K | — | $222K | 0.45% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | $116K | — | $116K | 5.00% |
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, NE 681450279 | AMERITAS LIFE INSURANCE CORP | $56K | $8K | $65K | 11.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWER WATSON US LLC 3RD PARTY SERVICE | Contract Administrator Service code 13 | 8400 NORMANDALE LAKE BOULEVARD SUITE 1700 MINNEAPOLIS, MN 554373837 | $277K |
| CASTLIGHT HEALTH, INC. 3RD PARTY SERVICE PROVIDE | Contract Administrator Service code 13 | 150 SPEAR STREET SUITE 400 SAN FRANCISCO, CA 94105 | $276K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 3RD PARTY SERVICE PROVIDE | Contract Administrator; Claims processing Service code 12 | — | $211K |
| DIA-TEC CLOUD 3RD PARTY SERVICE | Contract Administrator Service code 13 | 2910 S 84TH ST. OMAHA, NE 68124 | $165K |
| SIMPLYWELL 3RD PARTY SERVICES | Contract Administrator Service code 13 | P.O. BOX 122483 DALLAS, TX 753122483 | $115K |
| OPTUM FINANCIAL SERVICES 3RD PARTY SERVICE PROVIDE | Contract Administrator; Claims processing Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $106K |
| JELLYVISION LAB, INC. 3RD PARTY SERVICE | Contract Administrator Service code 13 | 848 W EASTMAN ST. SUITE 104 CHICAGO, IL 60642 | $88K |
| COMPSYCH CORPORATION EIN 36-3739783 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $78K |
| LUTZ & COMPANY, PC EIN 47-0625816 AUDITOR | Accounting (including auditing) Service code 10 | — | $41K |
| KOHLL'S PHARMACY & HOMECARE 3RD PARTY SERVICE | Contract Administrator Service code 13 | 12741 Q STREET OMAHA, NE 681373211 | $28K |
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 | 4,846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 7,958 | $49.5M |
| Vision | AMERITAS LIFE INSURANCE CORP | 6,212 | $565K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,839 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,839 | $2.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NEBRASKA | 7,958 | $49.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 4,839 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,958 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.