| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 13.78% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.87% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 9.23% |
| STEVEN R YENNEY3 | 18412 HOWARD STREET ELKHORN, NE 68022 | AFLAC | $430 | — | $430 | 2.27% |
| SHARON LOUISE MCDERMOTT3 | 11207 W DODGE ROAD, SUITE 250 OMAHA, NE 68154 | AFLAC | $237 | — | $237 | 1.25% |
| JEANNE SMITH3 | 10135 S 162ND STREET OMAHA, NE 68136 | AFLAC | $133 | — | $133 | 0.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 17807 BURKE STREET, SUITE 401 OMAHA, NE 68118 | AFLAC | $116 | — | $116 | 0.61% |
| DANIEL M SOMMER3 | 6019 N 108TH AVENUE CIRCLE OMAHA, NE 68164 | AFLAC | $103 | — | $103 | 0.54% |
| DAVID JOHN BECK3 | 19007 BOYD STREET ELKHORN, NE 68022 | AFLAC | $102 | — | $102 | 0.54% |
| GERALD L LYSCIO3 | 901 BLUFF AVENUE BRAINERD, MN 56401 | AFLAC | $100 | — | $100 | 0.53% |
| J2T2 ENTERPRISES INC3 | 21203 157TH AVENUE E GRAHAM, WA 98338 | AFLAC | $95 | — | $95 | 0.50% |
| MARY E MERICA3 | 5211 N 150TH STREET, SUITE 105 OMAHA, NE 68116 | AFLAC | $91 | — | $91 | 0.48% |
| JESSE A REISCH3 Filed as: JESSE REISCH | 47269 255TH STREET RENNER, SD 57055 | AFLAC | $72 | — | $72 | 0.38% |
| KEVIN S HARRINGTON3 | 239 PEBBLE BEACH LINCOLN, NE 68520 | AFLAC | $72 | — | $72 | 0.38% |
| KENNETH A OSTERMEIER3 | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $60 | — | $60 | 0.32% |
| BRANDEE LYNN BULLERMAN3 | 1235 201ST STREET HARDWICK, MN 56134 | AFLAC | $52 | — | $52 | 0.27% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVENUE S, SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $50 | — | $50 | 0.26% |
| RICHARD FAULKNER3 | 8805 Q STREET, APT 216A OMAHA, NE 68127 | AFLAC | $47 | — | $47 | 0.25% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW ROAD LOUISBURG, KS 66053 | AFLAC | $41 | — | $41 | 0.22% |
| KEVIN B VINING3 | 47269 255TH STREET RENNER, SD 57055 | AFLAC | $33 | — | $33 | 0.17% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $33 | — | $33 | 0.17% |
| GREG LITZ3 | 3722 SIMONVIEW COURT GRAND FORKS, ND 58201 | AFLAC | $31 | — | $31 | 0.16% |
| EARL J SMITH3 | 10135 S 162ND STREET OMAHA, NE 68136 | AFLAC | $29 | — | $29 | 0.15% |
| SHERRI L BASHORE3 | 2699 FESSEY CT, SUITE 100 NASHVILLE, TN 37204 | AFLAC | $25 | — | $25 | 0.13% |
| DAVID M COUGHLIN3 | 1400 SUN COPPER DRIVE LAS VEGAS, NV 89117 | AFLAC | $25 | — | $25 | 0.13% |
| WILLIAM O CORNELL3 | 121 LIME ROAD NE LAKE PLACID, FL 33852 | AFLAC | $25 | — | $25 | 0.13% |
| ANN M GIEBLER3 | 9806 S 176TH STREET OMAHA, NE 68136 | AFLAC | $25 | — | $25 | 0.13% |
| DEELORALEE A COUGHLIN3 | 4906 N 139TH AVENUE OMAHA, NE 68164 | AFLAC | $19 | — | $19 | 0.10% |
| CHRISTOPHER J COSTELLO3 | 2709 ACACIA AVENUE NORTH NEWTON, KS 67117 | AFLAC | $19 | — | $19 | 0.10% |
| JEANNE R SMITH3 | 21203 157TH AVENUE E GRAHAM, WA 98338 | AFLAC | $18 | — | $18 | 0.09% |
| THOMAS M KEATING3 | 7313 WHITE CASTLE LANE PLANO, TX 75025 | AFLAC | $16 | — | $16 | 0.08% |
| SCOTT W LUTY3 | 524 E 30TH AVENUE HUTCHINSON, KS 67502 | AFLAC | $14 | — | $14 | 0.07% |
| MICHAEL COPPESS3 | 8790 F STREET, SUITE 204 OMAHA, NE 68127 | AFLAC | $12 | — | $12 | 0.06% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.05% |
| KIMBERLY DIAN CROCKETT3 | 172 WALKING STICK DRIVE ELLERSLIE, GA 31807 | AFLAC | $8 | — | $8 | 0.04% |
| KRISTY M PIETRO3 Filed as: KRISTY M KACHATURIAN | 530 S 161ST CIRCLE OMAHA, NE 68118 | AFLAC | $8 | — | $8 | 0.04% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVENUE, SUITE 100 WICHITA, KS 67212 | AFLAC | $7 | — | $7 | 0.04% |
| KRISTINA K DOSTAL3 | 14630 CAVALIER STREET WAVERLY, NE 68462 | AFLAC | $6 | — | $6 | 0.03% |
| KACHATURIAN ENTERPRISES INC3 | 530 S 161ST CIRCLE OMAHA, NE 68118 | AFLAC | $6 | — | $6 | 0.03% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $4 | — | $4 | 0.02% |
| NATHAN L HARRISON3 | 5301 EAST VISTA RICA STREET PARADISE VALLEY, AZ 85253 | AFLAC | $4 | — | $4 | 0.02% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| DANIEL J MCMECHAN3 | 8502 SE PLUM LANE GALENA, KS 66739 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $1 | — | $1 | 0.01% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTERMEIER | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD NEBRASKA EIN 47-0095156 ADMINISTRATOR | Contract Administrator Service code 13 | — | $534K |
| HOLMES MURPHY & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | $59K |
| SURENCY LIFE & HEALTH INSURANCE EIN 26-1969006 ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
| PRIME THERAPEUTICS ADMINISTRATOR | Contract Administrator Service code 13 | 2900 AMES CROSSING ROAD EAGAN, MN 55121 | $0 |
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 | 994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,103 | $88K |
| Life insurance | STANDARD INSURANCE COMPANY | 994 | $219K |
| Long-term disability | STANDARD INSURANCE COMPANY | 387 | $143K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 994 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,103 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.