| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF NEBRASKA | $35K | $15K | $50K | 1.92% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $4K | $6K | $10K | 5.47% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $931 | — | $931 | 1.44% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $641 | — | $641 | 1.49% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 10.01% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.15% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $355 | — | $355 | 1.52% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $912 | — | $912 | 7.21% |
| BRANDON M. DRAEGER3 | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $120 | — | $120 | 0.95% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A. OSTERMEIER | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $75 | — | $75 | 0.59% |
| SANDRA KARL3 Filed as: SANDRA K. KARL | 18400 SW 100TH STREET CRETE, NE 68333 | AFLAC | $72 | — | $72 | 0.57% |
| CYNTHIA K CARD3 Filed as: CYNTHIA K. CARD | 5042 KNOX STREET LINCOLN, NE 68504 | AFLAC | $57 | — | $57 | 0.45% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 S. LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $33 | — | $33 | 0.26% |
| KRINGS ENTERPRISES INC3 Filed as: KRINGS ENTERPRISES, INC. | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $31 | — | $31 | 0.25% |
| JANICE A ROBINSON3 Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77388 | AFLAC | $30 | — | $30 | 0.24% |
| MICHAEL OSTERMEIER3 Filed as: MICHAEL E. OSTERMEIER | 1735 STERLING TRACE DRIVE KELLER, TX 76248 | AFLAC | $30 | — | $30 | 0.24% |
| FLOYD ZOBEL3 Filed as: FLOYD T. ZOBEL | 7005 SHAMROCK ROAD, UNIT 201 LINCOLN, NE 68506 | AFLAC | $25 | — | $25 | 0.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $22 | — | $22 | 0.17% |
| KENNETH A OSTERMEIER3 Filed as: KENNETH A. OSTERMEIER | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $21 | — | $21 | 0.17% |
| KEVIN B VINING3 Filed as: KEVIN B. VINING | 47269 255TH STREET RENNER, SD 57055 | AFLAC | $18 | — | $18 | 0.14% |
| JOHN A DONALDSON3 Filed as: JOHN A. DONALDSON | 2004 98 PALMS BOULEVARD, UNIT 4336 DESTIN, FL 32541 | AFLAC | $18 | — | $18 | 0.14% |
| MONTE HARNER3 Filed as: MONTE G. HARNER | 9150 LEIGHTON AVENUE LINCOLN, NE 68507 | AFLAC | $17 | — | $17 | 0.13% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, INC. | 35354 MISSION BELLEVIEW ROAD LOUISBURG, KS 66053 | AFLAC | $17 | — | $17 | 0.13% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $12 | — | $12 | 0.09% |
| CRAIG FIDLER3 | 610 E. 46TH STREET KEARNEY, NE 68847 | AFLAC | $11 | — | $11 | 0.09% |
| BRENT L GOODE3 Filed as: BRENT L. GOODE | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.07% |
| KIM I THROCKMORTON3 Filed as: KIM I. THROCKMORTON | 309 N. 33RD STREET, UNIT C NORFOLK, NE 68701 | AFLAC | $8 | — | $8 | 0.06% |
| THOMAS EDWARD SHEFFIELD3 | P.O. BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $8 | — | $8 | 0.06% |
| JOAN L. BARTH3 | 4400 S. 80TH STREET, APT 333 LINCOLN, NE 68516 | AFLAC | $6 | — | $6 | 0.05% |
| JAMES D STEPHENS3 Filed as: JAMES D. STEPHENS | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $6 | — | $6 | 0.05% |
| THEODORE NIEHAUS3 | 2900 WHISPERING WIND BOULEVARD LINCOLN, NE 68516 | AFLAC | $6 | — | $6 | 0.05% |
| MICHAEL COPPESS3 | 108 N. 49TH STREET, SUITE 207 OMAHA, NE 68132 | AFLAC | $5 | — | $5 | 0.04% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH L LEDOUX3 Filed as: JOSEPH L. LEDOUX | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.02% |
| JEFFREY HIMMELRICK3 | 2215 W. A STREET NORTH PLATTE, NE 69101 | AFLAC | $2 | — | $2 | 0.02% |
| KRISTINA K DOSTAL3 Filed as: KRISTINA K. DOSTAL | 905 WESTBROOK DRIVE NORFOLK, NE 68701 | AFLAC | $1 | — | $1 | 0.01% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | ASSURITY LIFE INSURANCE COMPANY | $518 | — | $518 | 11.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 13810 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | ASSURITY LIFE INSURANCE COMPANY | $222 | — | $222 | 5.10% |
| UNIFIED EMPLOYEE BENEFITS3 | 1640 SOUTH 70TH STREET, SUITE 200 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 6.10% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 4.44% |
| BRANDON M. DRAEGER3 | 2900 S. 70TH STREET, SUITE 300 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 4.20% |
| JOHN A DONALDSON3 Filed as: JOHN A. DONALDSON | 2004 98 PALMS BOULEVARD, APT 4336 DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 1.32% |
| AUSTYN SVEHLA3 Filed as: AUSTYN J SVEHLA | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.48% |
| THOMAS E SHEFFIELD3 Filed as: THOMAS E. SHEFFIELD | P.O. BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D. CROCKETT | 1563 ASHLEY CREEK LANE CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| MICHAEL COPPESS3 | 4910 DODGE STREET, SUITE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD, SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NEBRASKA | 281 | $2.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 327 | $188K |
| Vision | VISION SERVICE PLAN | 250 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 171 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 171 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 171 | $43K |
| Other(3 contracts, 3 carriers) | AFLAC | 18 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.