| 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 | $39K | — | $39K | 11.36% |
| PHARES FINANCIAL SERVICES, INC.3 | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 4.72% |
| BRIAN R. PHARES3 | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.67% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $782 | $106 | $888 | 0.52% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $632 | $78 | $710 | 0.41% |
| THOMAS W BOSTON3 Filed as: THOMAS D. FULLER | 1830 BRENT BOULEVARD LINCOLN, NE 68506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $569 | $7 | $576 | 0.34% |
| MJ INSURANCE3 Filed as: DEAN W. FORNOFF AND VARIOUS AGENTS | 16041 BUFFALO ROAD SPRINGFIELD, NE 68059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| KUCERA AGENCY, INC.3 Filed as: KUCERA AGENCY | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| PHARES FINANCIAL SERVICES, INC.3 | 320 MCNEEL LANE NORTH PLATTE, NE 69101 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 2.80% |
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 | 956 | 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) | 956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,324 | $125K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 956 | $344K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 956 | $344K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 956 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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.