| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2637 S 158TH PLAZ STE 200 OMAHA, NE 681301769 | BLUECROSS BLUESHIELD OF NEBRASKA | $25K | $22 | $25K | 1.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 2637 S 158TH PLAZ STE 200 OMAHA, NE 681301769 | AMERITAS LIFE INSURANCE CORP. | $4K | $3K | $7K | 3.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 12.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2637 S 158TH PLAZ STE 200 OMAHA, NE 681301769 | AMERITAS LIFE INSURANCE CORP. | $2K | $363 | $2K | 9.34% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $567 | — | $567 | 4.40% |
| SANDRA KARL3 Filed as: SANDRA K KARL | 18400 SW 100TH ST CRETE, NE 68333 | AFLAC | $114 | — | $114 | 0.88% |
| CYNTHIA K CARD3 | 5042 KNOX ST LINCOLN, NE 68504 | AFLAC | $107 | — | $107 | 0.83% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER INC | 2900 S 70TH ST STE 300 LINCOLN, NE 68506 | AFLAC | $100 | — | $100 | 0.78% |
| DAUBERT & BUTLER3 Filed as: DAUBERT AND BUTLER INC | PO BOX 23170 LINCOLN, NE 68542 | AFLAC | $77 | — | $77 | 0.60% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTERMEIER | 345 COUNTY ROAD 3150 KEMPNER, TX 76539 | AFLAC | $75 | — | $75 | 0.58% |
| JANICE A ROBINSON3 | 11405 ASPEN CREEK DR FORT WORTH, TX 76244 | AFLAC | $71 | — | $71 | 0.55% |
| JAMES A BELLOWS3 | P.O. BOX 549 YORK, NE 68467 | AFLAC | $56 | — | $56 | 0.43% |
| KENNETH A OSTERMEIER3 | 345 COUNTY ROAD 3150 KEMPNER, TX 76539 | AFLAC | $43 | — | $43 | 0.33% |
| FLOYD ZOBEL3 Filed as: FLOYD T ZOBEL | 7005 SHAMROCK RD UNIT 201 LINCOLN, NE 68506 | AFLAC | $43 | — | $43 | 0.33% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $32 | — | $32 | 0.25% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $30 | — | $30 | 0.23% |
| MICHAEL OSTERMEIER3 Filed as: MICHAEL E OSTERMEIER | 1735 STERLING TRACE DR KELLER, TX 76248 | AFLAC | $30 | — | $30 | 0.23% |
| CHRISTOPHER L ALTON3 | 150 N MILLER ROAD STE 300A FAIRLAWN, OH 44333 | AFLAC | $25 | — | $25 | 0.19% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $22 | — | $22 | 0.17% |
| JOHN A DONALDSON3 | 507 N SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $19 | — | $19 | 0.15% |
| WILLIAM O CORNELL3 | 121 LIME RD NE LAKE PLACID, FL 33852 | AFLAC | $18 | — | $18 | 0.14% |
| MONTE HARNER3 Filed as: MONTE G HARNER | 1306 N MAIN ST FREMONT, NE 68025 | AFLAC | $18 | — | $18 | 0.14% |
| DONALD B CLARK3 | 13520 DISCOVERY DR STE 123 OMAHA, NE 68137 | AFLAC | $18 | — | $18 | 0.14% |
| CRAIG M REMMERS3 | P.O. BOX 283 YORK, NE 68467 | AFLAC | $18 | — | $18 | 0.14% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $17 | — | $17 | 0.13% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $10 | $6 | $16 | 0.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | AFLAC | $15 | — | $15 | 0.12% |
| MICHAEL L BRAUN3 | 1718 DEVOE DR LINCOLN, NE 68506 | AFLAC | $13 | — | $13 | 0.10% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $12 | — | $12 | 0.09% |
| LESA KJELDGAARD3 | 7211 BRIARHURST DR LINCOLN, NE 68506 | AFLAC | $6 | $6 | $12 | 0.09% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $6 | $6 | $12 | 0.09% |
| ARVID L BARTH3 | 5649 S 73RD ST LINCOLN, NE 68516 | AFLAC | $11 | — | $11 | 0.09% |
| CRAIG FIDLER3 | 720 SIOUX LANE NORTH PLATTE, NE 69101 | AFLAC | $11 | — | $11 | 0.09% |
| THEODORE NIEHAUS3 | 2900 WHISPERING WIND BLVD LINCOLN, NE 68516 | AFLAC | $10 | — | $10 | 0.08% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.07% |
| KIM I THROCKMORTON3 Filed as: KIM THROCKMORTON | 211 S 8TH STREET BATTLE CREEK, NE 68715 | AFLAC | $8 | — | $8 | 0.06% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $7 | — | $7 | 0.05% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $6 | — | $6 | 0.05% |
| CHAD HARMS Filed as: CHAD HARMS INC | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $5 | — | $5 | 0.04% |
| JOSEPH J HERNANDEZ3 | 1891 HAYMARKET RD NUMBER 33 WAUKESHA, WI 53189 | AFLAC | $2 | — | $2 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2637 SO 158TH PLAZA, STE 200 OMAHA, NE 68130 | THE HARTFORD LIFE & ACCIDENT | $515 | $44 | $559 | 16.29% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NEBRASKA | 292 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 316 | $182K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 209 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $31K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $34K |
| Long-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $64K |
| Other | AFLAC | 20 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.