| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $8K | $52K | 11.68% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 4.53% |
| PHARES FINANCIAL SERVICES, INC.3 | 319 EAST B STREET NORTH PLATTE, NE 69101 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 2.33% |
| PHARES FINANCIAL SERVICES, INC.3 | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.18% |
| HOVIE AGENCY LLC3 Filed as: HOVIE AGENCY, LLC | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $189 | $19 | $208 | 0.41% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $5 | $151 | 0.30% |
| THOMAS W BOSTON3 Filed as: THOMAS D. FULLER | 1830 BRENT BOULEVARD LINCOLN, NE 68506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.20% |
| EDGHILL ENTERPRISES LLC3 Filed as: EDGHILL ENTERPRISES, LLC | 2701 NORTH 70TH STREET APARTMENT 87 LINCOLN, NE 68507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $7 | $62 | 0.12% |
| KUCERA AGENCY, INC.3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
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 | 1,089 | 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) | 1,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 64 | $50K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,491 | $144K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,089 | $442K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,089 | $442K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,089 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,491 | — |
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.