| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 13810 FNB PKWY OMAHA, NE 681545216 | BLUECROSS BLUESHIELD OF NEBRASKA | $29K | $16 | $29K | 1.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 13810 FNB PKWY OMAHA, NE 681545216 | AMERITAS LIFE INSURANCE CORP. | $4K | $697 | $4K | 2.59% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $597 | $4K | 11.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $593 | $4K | 9.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $495 | $3K | 9.08% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 13810 FNB PKWY OMAHA, NE 681545216 | AMERITAS LIFE INSURANCE CORP. | $2K | $77 | $2K | 7.85% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $754 | — | $754 | 5.63% |
| CYNTHIA K CARD3 Filed as: CYNTHIA CARD | 5042 KNOX ST LINCOLN, NE 68504 | AFLAC | $107 | — | $107 | 0.80% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $94 | — | $94 | 0.70% |
| SANDRA KARL3 | 18400 SW 100TH ST CRETE, NE 68333 | AFLAC | $91 | — | $91 | 0.68% |
| DAUBERT & BUTLER3 Filed as: DAUBERT AND BUTLER INC | PO BOX 23170 LINCOLN, NE 68542 | AFLAC | $77 | — | $77 | 0.57% |
| FRANCES OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $75 | — | $75 | 0.56% |
| JANICE A ROBINSON3 | 22010 BRIDGESTONE HAWK CT. SPRING, TX 77388 | AFLAC | $61 | — | $61 | 0.46% |
| KENNETH A OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $44 | — | $44 | 0.33% |
| FLOYD ZOBEL3 | 7005 SHAMROCK RD UNIT 201 LINCOLN, NE 68506 | AFLAC | $43 | — | $43 | 0.32% |
| JAMES A BELLOWS3 | P.O. BOX 549 YORK, NE 68467 | AFLAC | $42 | — | $42 | 0.31% |
| KRINGS ENTERPRISES INC3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $32 | — | $32 | 0.24% |
| MICHAEL OSTERMEIER3 | 1735 STERLING TRACE DR KELLER, TX 76248 | AFLAC | $30 | — | $30 | 0.22% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $23 | — | $23 | 0.17% |
| GARY WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $22 | — | $22 | 0.16% |
| MONTE HARNER3 | 1306 N MAIN ST FREMONT, NE 68025 | AFLAC | $18 | — | $18 | 0.13% |
| KITTY CORNELL3 | 1719 BRANDON WOODS DR. LAWRENCE, KS 66047 | AFLAC | $18 | — | $18 | 0.13% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $17 | — | $17 | 0.13% |
| JOHN A DONALDSON3 Filed as: JOHN DONALDSON | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | AFLAC | $16 | — | $16 | 0.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPY & ASSOC INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | AFLAC | $14 | — | $14 | 0.10% |
| CRAIG M REMMERS3 Filed as: CRAIG REMMERS | P.O. BOX 283 YORK, NE 68467 | AFLAC | $13 | — | $13 | 0.10% |
| DONNA ARMSTRONG3 | PO BOX 1274 COLUMBUS, NE 68602 | AFLAC | $12 | — | $12 | 0.09% |
| ARVID L BARTH3 | 5649 S 73RD ST LINCOLN, NE 68516 | AFLAC | $11 | — | $11 | 0.08% |
| CRAIG FIDLER3 | 610 E 46TH ST KEARNEY, NE 68847 | AFLAC | $11 | — | $11 | 0.08% |
| BRANDON M. DRAEGER3 Filed as: BRANDON M DRAEGER | 2900 SOUTH 70TH ST STE 300 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE CO | $312 | — | $312 | 5.09% |
| JOHN A DONALDSON3 | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | CONTINENTAL AMERICAN INSURANCE CO | $95 | — | $95 | 1.55% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | CONTINENTAL AMERICAN INSURANCE CO | $62 | — | $62 | 1.01% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE CO | $35 | — | $35 | 0.57% |
| LESA KJELDGAARD3 Filed as: LESA R KJELDGAARD | 7211 BRIARHUR ST DRIVE LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE CO | $21 | — | $21 | 0.34% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 732 SILVER SANDS DR CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE CO | $7 | — | $7 | 0.11% |
| MICHAEL COPPESS3 | 4910 DODGE ST. STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE CO | $7 | — | $7 | 0.11% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | CONTINENTAL AMERICAN INSURANCE CO | $3 | — | $3 | 0.05% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.02% |
| MICHAEL S CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 13810 FNB PKWY STE 300 OMAHA, NE 38154 | THE HARTFORD LIFE & ACCIDENT | $575 | — | $575 | 14.99% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | ASSURITY LIFE INSURANCE | $435 | — | $435 | 12.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 13810 FNB PKWY STE 300 OMAHA, NE 68154 | ASSURITY LIFE INSURANCE | $187 | — | $187 | 5.34% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NEBRASKA | 287 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 319 | $172K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 226 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $38K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.