| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP | $4K | $2K | $6K | 3.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $10K | $2K | $12K | 7.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| LINCOLN FINANCIAL MANAGEMENT LLC3 Filed as: LINCOLN CAPTIAL SOLUTIONS LLC | 6003 OLD CHENEY ROAD, SUITE 350 LINCOLN, NE 68516 | AFLAC | $364 | $0 | $364 | 3.49% |
| MJ INSURANCE3 Filed as: JAMES BELLOWS AND VARIOUS AGENTS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $276 | $0 | $276 | 2.65% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 Filed as: LINCOLN CAPITAL SOLUTIONS LLC | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $155 | $0 | $155 | 1.49% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $75 | $0 | $75 | 0.72% |
| FRANCES OSTERMEIER3 | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $68 | $0 | $68 | 0.65% |
| SANDRA KARL3 | 18400 SW 100TH STREET CRETE, NE 68333 | AFLAC | $66 | $0 | $66 | 0.63% |
| CYNTHIA K CARD3 Filed as: CYNTHIA CARD | 5042 KNOX STREET LINCOLN, NE 68504 | AFLAC | $50 | $0 | $50 | 0.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LC LOCKTON COMPANIES | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | $0 | $181 | 4.38% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER | 2900 SOUTH 70TH STREET, SUITE 300 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | $0 | $165 | 4.00% |
| JOHN A DONALDSON3 Filed as: JOHN DONALDSON | 2004 98 PALMS BOULEVARD APARTMENT 4336 DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 1.23% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 | 1640 SOUTH 70TH STREET, SUITE 200 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.68% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 1563 ASHLEY CREEK LANE CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.15% |
| AUSTYN SVEHLA3 | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| MJ INSURANCE3 Filed as: MICHAEL COPPESS AND VARIOUS AGENTS | 4910 DODGE STREET, SUITE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| LINCOLN FINANCIAL MANAGEMENT LLC3 Filed as: LINCOLN CAPTIAL SOLUTIONS LLC | 6003 OLD CHENEY ROAD, SUITE 350 LINCOLN, IA 68516 | ASSURITY LIFE INSURANCE COMPANY | $408 | $0 | $408 | 11.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | ASSURITY LIFE INSURANCE COMPANY | $175 | $0 | $175 | 4.72% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 305 | $2.8M |
| Dental | AMERITAS LIFE INSURANCE CORP | 367 | $182K |
| Vision | VISION SERVICE PLAN | 131 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 180 | $160K |
| Short-term disability | STANDARD INSURANCE COMPANY | 180 | $160K |
| Long-term disability | STANDARD INSURANCE COMPANY | 180 | $160K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEBRASKA | 305 | $2.8M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 187 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.