| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | — | $1K | $1K | 5.95% |
| KENNETH A. STEINBECK3 | 1528 MANSFIELD RD GRAND ISLAND, NE 68803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.90% |
| KENNETH A. STEINBECK3 | 1528 MANSFIELD RD GRAND ISLAND, NE 68803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| KENNETH A. STEINBECK3 | 1528 MANSFIELD RD GRAND ISLAND, NE 68803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $933 | — | $933 | 14.99% |
| KENNETH A. STEINBECK3 | 1528 MANSFIELD RD GRAND ISLAND, NE 68803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $398 | — | $398 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NEBRASKA EIN 47-0095156 CLAIMS PROCESSING | Claims processing Service code 12 | 1919 AK-SAR-BEN DR OMAHA, NE 68180 | $104K |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 132 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $21K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $21K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $14K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 140 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.