| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP, LLC DBA FNIC | 14010 FNB PKWY, STE 300 OMAHA, NE 681545210 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.06% |
| MARSHBERRY CONNECT PLATFORM LLC3 | PO BOX 72560 CLEVELAND, OH 441920002 | PRINCIPAL LIFE INSURANCE COMPANY | — | $382 | $382 | 0.42% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | $10K | $550 | $11K | 13.99% |
| STEC INSURANCE AGENCY INC.3 | 3706 C AVE KEARNEY, NE 688478167 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.10% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL SERVICE | 84403 HIGHWAY 7 BREWSTER, NE 688215114 | AMERITAS LIFE INSURANCE CORP. | $273 | — | $273 | 1.82% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, JOSEPH, W. | 6925 W 151ST TERRACE OVERLAND PARK, KS 662233133 | AMERITAS LIFE INSURANCE CORP. | $148 | — | $148 | 0.99% |
| ARMSTRONG, WILLIAM, KIRK3 | 707 S 201ST AVE ELKHORN, NE 680221871 | AMERITAS LIFE INSURANCE CORP. | $74 | — | $74 | 0.49% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $91K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 154 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $78K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $78K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $78K |
| Other | HARTFORD LIFE AND ACCIDENT | 149 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.