| 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 | $30 | $30K | 4.03% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET, SUITE 221 OMAHA, NE 68114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.78% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET SUITE 221 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $498 | — | $498 | 4.02% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET, SUITE 221 OMAHA, NE 68114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $504 | — | $504 | 4.32% |
| RENEE J DOLLWET3 | 11110 3RD AVE E BRADENTON, FL 34212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | — | $299 | 2.57% |
| TODD H BURRER3 | 17445 ARBOR STREET SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.95% |
| CHRISTOPHER L MILLER3 | 610 S 55TH STREET OMAHA, NE 68106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.82% |
| MARK FRIEHE3 | 4611 S 96TH STREET SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.66% |
| COSTANZO & ASSOCIATES INC3 | 10416 N. 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.63% |
| CYNTHIA D WELKEN-PLACE3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.62% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.14% |
| MICHAEL S CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 1015 N. 98TH STREET SUITE 221 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF NEBRASKA | 94 | $755K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $66K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $16K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $66K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.