| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE ROAD SUITE 418 OMAHA, NE 68114 | BLUECROSS AND BLUESHIELD OF NEBRASKA | $30K | $14 | $30K | 3.97% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE ROAD SUITE 418 OMAHA, NE 68114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.76% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 | 9140 WEST DODGE ROAD SUITE 418 OMAHA, NE 68114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 2.81% |
| RENEE J DOLLWET3 | 11110 3RD AVE E BRADENTON, FL 34212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 2.71% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DRIVE BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.62% |
| TODD H BURRER3 | 17445 ARBOR STREET SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.39% |
| COSTANZO & ASSOCIATES INC3 | 10416 N. 48TH STREET OMAHA, NE 68152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.35% |
| MARK FRIEHE3 | 4611 S 96TH STREET SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.31% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.15% |
| CHRISTOPHER L MILLER3 | 488 LEMONT DRIVE APT N235 NASHVILLE, TN 37216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| MICHAEL S CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF NEBRASKA | 94 | $744K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $84K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $84K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $84K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF NEBRASKA | 94 | $744K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.