| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET SUITE 221 OMAHA, NE 68114 | BLUECROSS AND BLUESHIELD OF NEBRASKA | $30K | $2K | $33K | 4.31% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET, SUITE 221 OMAHA, NE 68114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $328 | $6K | 9.95% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET, SUITE 221 OMAHA, NE 68114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 3.69% |
| RENEE J DOLLWET3 | 11110 3RD AVE E BRADENTON, FL 34212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 2.70% |
| TODD H BURRER3 | 17445 ARBOR STREET SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 1.85% |
| CYNTHIA D WELKEN-PLACE3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.75% |
| MARK FRIEHE3 | 4611 S 96TH STREET SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.51% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.18% |
| MICHAEL S CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET SUITE 221 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $458 | — | $458 | 4.02% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET SUITE 221 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $393 | — | $393 | 10.00% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF NEBRASKA | 94 | $759K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $63K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $15K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $63K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 140 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.