| 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 | $51K | — | $51K | 1.85% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 7.91% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 15.00% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 15.00% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 680223473 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 10.00% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 10.34% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $578 | $4K | 19.25% |
| 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 | $1K | $553 | $2K | 10.76% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST. STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $520 | $2K | 15.00% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $2.7M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 398 | $28K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $70K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $44K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.