| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 3.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 5.48% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL SVCS | 17445 ARBOR STREET SUITE 310 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORPORATION | $221 | $0 | $221 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 220 EMERSON PLACE SUITE 200 DAVENPORT, LA 52801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $386 | $386 | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $369 | $369 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE OMAHA, NE 68114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $3 | $185 | 7.32% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $34 | $177 | 7.00% |
| MA STILES LLC3 Filed as: MA STILES, LLC | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $5 | $88 | 3.48% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $8 | $42 | 1.66% |
| DEAN W FORNOFF3 | 16041 BUFFALO ROAD SPRINGFIELD, NE 68059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.24% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $968K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 263 | $47K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 263 | $47K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $968K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.