| 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 | $21K | $20K | $41K | 1.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF NEBRASKA | $10K | — | $10K | 0.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 13810 FNB PKWY OMAHA, NE 681545216 | AMERITAS LIFE INSURANCE CORP. | $3K | $5K | $8K | 4.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | AMERITAS LIFE INSURANCE CORP. | $840 | — | $840 | 0.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $540 | $4K | 7.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $522 | $3K | 6.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $437 | $2K | 5.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 13810 FNB PKWY OMAHA, NE 681545216 | AMERITAS LIFE INSURANCE CORP. | $972 | $566 | $2K | 7.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | AMERITAS LIFE INSURANCE CORP. | $611 | — | $611 | 2.80% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $326 | — | $326 | 2.83% |
| UNIFIED EMPLOYEE BENEFITS3 | 1640 S 70TH ST STE 200 LINCOLN, NE 68506 | AFLAC | $243 | — | $243 | 2.11% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $94 | — | $94 | 0.81% |
| SANDRA KARL3 | 18400 SW 100TH ST CRETE, NE 68333 | AFLAC | $85 | — | $85 | 0.74% |
| FRANCES OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $75 | — | $75 | 0.65% |
| CYNTHIA K CARD3 Filed as: CYNTHIA CARD | 5042 KNOX ST LINCOLN, NE 68504 | AFLAC | $66 | — | $66 | 0.57% |
| FLOYD ZOBEL3 | 7005 SHAMROCK RD UNIT 201 LINCOLN, NE 68506 | AFLAC | $43 | — | $43 | 0.37% |
| JAMES A BELLOWS3 | P.O. BOX 549 YORK, NE 68467 | AFLAC | $40 | — | $40 | 0.35% |
| JANICE A ROBINSON3 | 22010 BRIDGESTONE HAWK CT. SPRING, TX 77388 | AFLAC | $37 | — | $37 | 0.32% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $32 | — | $32 | 0.28% |
| MICHAEL OSTERMEIER3 | 1735 STERLING TRACE DR KELLER, TX 76248 | AFLAC | $30 | — | $30 | 0.26% |
| KENNETH A OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $26 | — | $26 | 0.23% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $22 | — | $22 | 0.19% |
| MONTE HARNER3 | 9150 LEIGHTON AVE LINCOLN, NE 68507 | AFLAC | $18 | — | $18 | 0.16% |
| WILLINGHAM INC3 | 1502 N METCALF RD LOUISBURG, KS 66053 | AFLAC | $17 | — | $17 | 0.15% |
| GARY WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $14 | — | $14 | 0.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC. | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | AFLAC | $14 | — | $14 | 0.12% |
| ARVID L BARTH3 | 5649 S 73RD ST LINCOLN, NE 68516 | AFLAC | $11 | — | $11 | 0.10% |
| CRAIG FIDLER3 | 610 E 46TH ST KEARNEY, NE 68847 | AFLAC | $11 | — | $11 | 0.10% |
| JOHN A DONALDSON3 Filed as: JOHN DONALDSON | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | AFLAC | $11 | — | $11 | 0.10% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.08% |
| JAMES D STEPHENS3 Filed as: JAMES STEPHENS | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $6 | — | $6 | 0.05% |
| THOMAS EDWARD SHEFFIELD3 Filed as: THOMAS SHEFFIELD | P.O. BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $6 | — | $6 | 0.05% |
| THEODORE NIEHAUS3 | 2900 WHISPERING WIND BLVD LINCOLN, NE 68516 | AFLAC | $6 | — | $6 | 0.05% |
| KIM I THROCKMORTON3 Filed as: KIM THROCKMORTON | 211 S 8TH ST BATTLE CREEK, NE 68715 | AFLAC | $5 | — | $5 | 0.04% |
| MICHAEL COPPESS3 | 108 N 49TH ST STE 207 OMAHA, NE 68132 | AFLAC | $4 | — | $4 | 0.03% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $4 | — | $4 | 0.03% |
| KIM I THROCKMORTON3 | 309 N 33RD ST UNIT C NORFOLK, NE 68701 | AFLAC | $3 | — | $3 | 0.03% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $2 | — | $2 | 0.02% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $2 | — | $2 | 0.02% |
| LESA KJELDGAARD3 | 7211 BRIARHURST DR LINCOLN, NE 68506 | AFLAC | $2 | — | $2 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.02% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 4610 N 134TH AVE OMAHA, NE 68164 | AFLAC | $2 | — | $2 | 0.02% |
| JEFFREY HIMMELRICK3 | 2215 W A ST NORTH PLATTE, NE 69101 | AFLAC | $2 | — | $2 | 0.02% |
| MICHAEL CEJKA3 | 5626 S 38TH ST LINCOLN, NE 68516 | AFLAC | $1 | — | $1 | 0.01% |
| KRISTINA K DOSTAL3 Filed as: KRISTINA DOSTAL | 905 WESTBROOK DR NORFOLK, NE 68701 | AFLAC | $1 | — | $1 | 0.01% |
| CHAD HARMS3 Filed as: CHAD HARMS INC | 5925 E STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $1 | — | $1 | 0.01% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 505 LEE ROAD 214 PHEONIX CITY, AL 36870 | AFLAC | $1 | — | $1 | 0.01% |
| BRANDON M. DRAEGER3 Filed as: BRANDON M DRAEGER | 2900 SOUTH 70TH ST STE 300 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE CO | $215 | — | $215 | 4.70% |
| JOHN A DONALDSON3 | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | CONTINENTAL AMERICAN INSURANCE CO | $66 | — | $66 | 1.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE CO | $41 | — | $41 | 0.90% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE CO | $25 | — | $25 | 0.55% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE CO | $5 | — | $5 | 0.11% |
| MICHAEL COPPESS3 | 4910 DODGE ST. STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE CO | $5 | — | $5 | 0.11% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.02% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | ASSURITY LIFE INSURANCE | $611 | — | $611 | 14.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 13810 FNB PKWY STE 300 OMAHA, NE 68154 | ASSURITY LIFE INSURANCE | $262 | — | $262 | 6.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | P.O. BOX 441 DES MOINES, IA 50302 | THE HARTFORD LIFE & ACCIDENT | $573 | $48 | $621 | 16.24% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NEBRASKA | 295 | $2.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 336 | $177K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 235 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $46K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.