| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 3.07% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FIN. SVCS., INC. | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.35% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 1511 448TH UTICA, NE 68456 | AFLAC | $965 | $275 | $1K | 3.78% |
| STARR BUCKOW INSURANCE AGENCY3 | PO BOX 515 FAIRBURY, NE 68352 | AFLAC | $1K | $0 | $1K | 3.13% |
| CHELSEA M. SCHERNIKAU3 | 503 SOUTH Z ROAD HENDERSON, NE 68371 | AFLAC | $954 | $55 | $1K | 3.08% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 3355 FLETCHER ROAD SEWARD, NE 68434 | AFLAC | $453 | $0 | $453 | 1.38% |
| MJ INSURANCE3 Filed as: MITCHELL ALLNER AND VARIOUS AGENTS | 701 WEST 101ST PLACE SOUTH APARTMENT 1801 JENKS, OK 74037 | AFLAC | $396 | $55 | $451 | 1.37% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $261 | $0 | $261 | 0.80% |
| HEATHER D. HOLLAND3 | 621 OAKMONT DRIVE PLATTSMOUTH, NE 68048 | AFLAC | $147 | $0 | $147 | 0.45% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 17.66% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FIN. SVCS., INC. | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $961 | $961 | 3.01% |
| STARR BUCKOW INSURANCE AGENCY3 | PO BOX 515 FAIRBURY, NE 68352 | AFLAC | $863 | $0 | $863 | 3.17% |
| CHELSEA M. SCHERNIKAU3 | 503 SOUTH Z ROAD HENDERSON, NE 68371 | AFLAC | $855 | $0 | $855 | 3.14% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 3355 FLETCHER ROAD SEWARD, NE 68434 | AFLAC | $611 | $0 | $611 | 2.24% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 1511 448TH UTICA, NE 68456 | AFLAC | $567 | $0 | $567 | 2.08% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $305 | $0 | $305 | 1.12% |
| MJ INSURANCE3 Filed as: TODD H. BURRER AND VARIOUS AGENTS | 440 REGENCY PARKWAY DRIVE SUITE 234 OMAHA, NE 68114 | AFLAC | $287 | $0 | $287 | 1.05% |
| HEATHER D. HOLLAND3 | 621 OAKMONT DRIVE PLATTSMOUTH, NE 68048 | AFLAC | $178 | $0 | $178 | 0.65% |
| KERRY RAE BUTZKE3 | 1511 448TH UTICA, NE 68456 | AFLAC | $3K | $0 | $3K | 30.55% |
| JOHN C MACKIE3 Filed as: JOHN C. MACKIE | 8408 LAVERN ROAD PLEASANT VALLEY, MO 64068 | AFLAC | $71 | $0 | $71 | 0.72% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $21 | $0 | $21 | 0.21% |
| MJ INSURANCE3 Filed as: JOHN D. TYLER AND VARIOUS AGENTS | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $15 | $0 | $15 | 0.15% |
| AUSTIN J PETERSON3 Filed as: AUSTIN J. PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $14 | $0 | $14 | 0.14% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS J. PITZENBERGER | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $13 | $0 | $13 | 0.13% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES, INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $8 | $0 | $8 | 0.08% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $51 | $200 | 12.12% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | UNKNOWN ALLIANCE, NE 69301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 8.61% |
| MA STILES LLC3 Filed as: MA STILES, LLC | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $3 | $89 | 5.39% |
| HOVIE AGENCY LLC3 Filed as: HOVIE AGENCY, LLC | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $9 | $38 | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE OMAHA, NE 68114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 2.12% |
| DEAN W FORNOFF3 Filed as: DEAN W. FORNOFF | 16041 BUFFALO ROAD SPRINGFIELD, NE 68059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $1.6M |
| Other(6 contracts, 4 carriers) | AFLAC | 226 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.