| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 | STE 200 4221 N 203RD ST ELKHORN, NE 68022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.35% |
| INSPRO INC3 | 100 E 6TH ST FREMONT, NE 68026 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.23% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 WEST DODGE RD. SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 32.86% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 680260689 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $169 | $2K | 6.40% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 680223473 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 4.10% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 9394 WEST DODGE RD SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.29% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY INC. | 9394 WEST DODGE RD. SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 33.56% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY INC. | 9394 WEST DODGE RD SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | — | $250 | 13.27% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY INC. | 9394 WEST DODGE RD. SUITE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | — | $654 | 48.66% |
| INSPRO INC3 Filed as: INSPRO INC. | PO BOX 689 FREMONT, NE 68025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 49.25% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 5.22% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 479 | $34K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $203K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $152K |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.