| 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 | $50K | $0 | $50K | 2.67% |
| STARR BUCKOW INSURANCE AGENCY3 Filed as: STARR BUCKOW INS. AGENCY | PO BOX 515 FAIRBURY, NE 68352 | AFLAC | $6K | $30 | $6K | 6.96% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 3355 FLETCHER ROAD SEWARD, NE 68434 | AFLAC | $5K | $268 | $5K | 6.43% |
| BUTZKE INSURANCE INC3 Filed as: BUTZKE INSURANCE, INC. | 141 SOUTH 6TH STREET, APARTMENT 1 SEWARD, NE 68434 | AFLAC | $3K | $28 | $3K | 3.72% |
| MJ INSURANCE3 Filed as: LAURIE A. DUNN AND VARIOUS AGENTS | 4910 NORTH 15TH STREET LINCOLN, NE 68521 | AFLAC | $3K | $187 | $3K | 3.70% |
| GABBY MASON AND OTHER AGENTS3 Filed as: GABBY G. MASON | 2125 FOLKSWAY BOULEVARD LINCOLN, NE 68521 | AFLAC | $1K | $10 | $1K | 1.52% |
| RIHA BENEFITS GROUP INC3 Filed as: RIHA BENEFITS GROUP, INC. | 302 EAST 6TH STREET STUART, NE 68780 | AFLAC | $1K | $0 | $1K | 1.38% |
| CHELSEA M. SCHERNIKAU3 | 503 SOUTH Z ROAD HENDERSON, NE 68371 | AFLAC | $1K | $0 | $1K | 1.32% |
| 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 | $0 | $5K | 14.25% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SERV., INC. | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| KERRY RAE BUTZKE3 | 141 SOUTH 6TH STREET, APARTMENT 1 UTICA, NE 68456 | AFLAC | $2K | $0 | $2K | 12.14% |
| KERRY RAE BUTZKE3 | 1511 448TH UTICA, NE 68456 | AFLAC | $2K | $23 | $2K | 10.48% |
| JOHN C MACKIE3 Filed as: JOHN C. MACKIE | 8408 LAVERN ROAD PLEASANT VALLEY, MO 64068 | AFLAC | $77 | $0 | $77 | 0.46% |
| CHELSEY RIHA3 | 302 EAST 6TH STREET STUART, NE 68780 | AFLAC | $67 | $0 | $67 | 0.40% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS PITZENBERGER & OTHER AGENTS | 1501 SUGARLAND PARKWAY PLEASANT THILL, MO 64080 | AFLAC | $33 | $0 | $33 | 0.20% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $23 | $0 | $23 | 0.14% |
| AUSTIN J PETERSON3 Filed as: AUSTIN J. PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $16 | $0 | $16 | 0.10% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE OMAHA, NE 68114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 1.91% |
| MA STILES LLC3 Filed as: MA STILES, LLC | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.95% |
| HOVIE AGENCY LLC3 Filed as: HOVIE AGENCY, LLC | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.70% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | UNKNOWN ALLIANCE, NE 69301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.51% |
| 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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.9M |
| Other(5 contracts, 4 carriers) | AFLAC | 225 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.