| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 WEST DODGE ROAD OMAHA, NE 68114 | AETNA LIFE INSURANCE COMPANY | $27K | $16 | $27K | 2.63% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORP. | $4K | $496 | $4K | 4.06% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 1.82% |
| USI INSURANCE SERVICES LLC3 | 9394 WEST DODGE ROAD, SUITE 250 OMAHA, NE 68114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.98% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 157 | $1.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 303 | $99K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 303 | $99K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $90K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $90K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $90K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 157 | $1.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.