| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 2.18% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 11.51% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 18.38% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 18.83% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 680223473 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $82 | $3K | 10.27% |
| INSPRO INC3 | PO BOX 689 FREMONT, NE 680260689 | AMERITAS LIFE INSURANCE CORPORATION | — | $84 | $84 | 0.28% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 13.80% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 77.87% |
| OCI INSURANCE AND FNCL SVCS INC3 Filed as: OCI INSURANCE AND FNCL SVCS INC. | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 72.29% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $917 | $2K | 18.59% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $2.5M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 360 | $30K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $73K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $83K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $39K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.