| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 3.30% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 3355 FLETCHER ROAD SEWARD, NE 68434 | AFLAC | $4K | $0 | $4K | 11.38% |
| STARR BUCKOW INSURANCE AGENCY3 Filed as: STARR BUCKOW INS AGENCY | PO BOX 515 FAIRBURY, NE 68352 | AFLAC | $3K | $40 | $3K | 7.24% |
| SVEHLA & ASSOCIATES INC3 Filed as: SVEHLA AND ASSOCIATES, INC. | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | AFLAC | $702 | $4 | $706 | 1.83% |
| MJ INSURANCE3 Filed as: GABBY MASON AND VARIOUS AGENTS | 2125 FOLKWAYS BOULEVARD LINCOLN, NE 68521 | AFLAC | $664 | $19 | $683 | 1.77% |
| CHELSEA M. SCHERNIKAU3 | 503 SOUTH Z ROAD HENDERSON, NE 68371 | AFLAC | $570 | $0 | $570 | 1.48% |
| ANDREA KRULL3 | 901 CHERRY LANE SEWARD, NE 68434 | AFLAC | $326 | $0 | $326 | 0.85% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $217 | $0 | $217 | 0.56% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.67% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS AND FINANCIAL SERVICES, 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 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $977 | $977 | 2.97% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 3355 FLETCHER ROAD SEWARD, NE 68434 | AFLAC | $765 | $0 | $765 | 3.11% |
| CHELSEA M. SCHERNIKAU3 | 503 SOUTH Z ROAD HENDERSON, NE 68371 | AFLAC | $663 | $0 | $663 | 2.69% |
| STARR BUCKOW INSURANCE AGENCY3 Filed as: STARR BUCKOW INS AGENCY | PO BOX 515 FAIRBURY, NE 68352 | AFLAC | $595 | $0 | $595 | 2.42% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $275 | $0 | $275 | 1.12% |
| HEATHER D. HOLLAND3 | 621 OAKMONT DRIVE PLATTSMOUTH, NE 68048 | AFLAC | $160 | $0 | $160 | 0.65% |
| TODD H BURRER3 Filed as: TODD H. BURRER | 440 REGENCY PARKWAY DRIVE SUITE 234 OMAHA, NE 68114 | AFLAC | $124 | $0 | $124 | 0.50% |
| MJ INSURANCE3 Filed as: ROSS NELSON AND VARIOUS AGENTS | 440 REGENCY PARKWAY DRIVE SUITE 234 OMAHA, NE 68114 | AFLAC | $98 | $0 | $98 | 0.40% |
| KERRY RAE BUTZKE3 | 1511 448TH UTICA, NE 68456 | AFLAC | $2K | $215 | $2K | 17.30% |
| JOHN C MACKIE3 Filed as: JOHN C. MACKIE | 8408 LAVERN ROAD PLEASANT VALLEY, MO 64068 | AFLAC | $77 | $0 | $77 | 0.67% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY D. ASBY | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $23 | $0 | $23 | 0.20% |
| AUSTIN J PETERSON3 Filed as: AUSTIN J. PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $16 | $0 | $16 | 0.14% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS J. PITZENBERGER | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $14 | $0 | $14 | 0.12% |
| MJ INSURANCE3 Filed as: JOHN D. TYLER AND VARIOUS AGENTS | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $11 | $0 | $11 | 0.10% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES, INC. | 1508 NORTH CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $9 | $0 | $9 | 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 | $54 | $7 | $61 | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE OMAHA, NE 68114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 1.84% |
| FIRST INSURANCE GROUP LLC3 | UNKNOWN ALLIANCE, NE 69301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 1.72% |
| MA STILES LLC3 | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.59% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.86% |
| DEAN W FORNOFF3 Filed as: DEAN W. FORNOFF | 16041 BUFFALO ROAD SPRINGFIELD, NE 68059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.25% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.7M |
| Other(6 contracts, 4 carriers) | AFLAC | 227 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.