| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 11.60% |
| PHARES FINANCIAL SERVICES, INC.3 | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 5.38% |
| BRIAN R. PHARES3 | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 3.87% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $983 | $167 | $1K | 0.60% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $825 | $87 | $912 | 0.48% |
| THOMAS W BOSTON3 Filed as: THOMAS D. FULLER | 1830 BRENT BOULEVARD LINCOLN, NE 68506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $726 | $25 | $751 | 0.39% |
| JULIA C SHARP3 Filed as: JULIA C. SHARP | 5810 NORTH 166TH STREET OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.14% |
| MJ INSURANCE3 Filed as: MATTHEW J. RYAN AND VARIOUS AGENTS | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 2.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORPORATION | — | $1K | $1K | 1.00% |
| PHARES FINANCIAL SERVICES, INC.3 Filed as: PHARES FINANCIAL SERVICES INC | 320 MCNEEL LANE NORTH PLATTE, NE 69101 | AMERITAS LIFE INSURANCE CORPORATION | $264 | — | $264 | 0.21% |
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 | 967 | 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) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,218 | $126K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 967 | $299K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 967 | $299K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 967 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,218 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.