| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP | $3K | $7K | $10K | 5.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 4550 EAST 53RD STREET, SUITE 100 DAVENPORT, IA 52807 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | 0.60% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | STANDARD INSURANCE COMPANY | $7K | $5K | $12K | 6.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 57104 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.17% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 | 6003 OLD CHENEY ROAD, SUITE 350 LINCOLN, NE 68516 | AFLAC | $321 | $0 | $321 | 3.01% |
| MJ INSURANCE3 Filed as: MICHAEL OSTERMEIER & VARIOUS AGENTS | 1735 STERLING TRACE DRIVE KELLER, TX 76248 | AFLAC | $269 | $0 | $269 | 2.52% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $183 | $0 | $183 | 1.72% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $89 | $0 | $89 | 0.83% |
| FRANCES OSTERMEIER3 | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $81 | $0 | $81 | 0.76% |
| CYNTHIA K CARD3 Filed as: CYNTHIA CARD | 5042 KNOX STREET LINCOLN, NE 68504 | AFLAC | $60 | $0 | $60 | 0.56% |
| SANDRA KARL3 | 18400 SW 100TH STREET CRETE, NE 68333 | AFLAC | $37 | $0 | $37 | 0.35% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 Filed as: LINCOLN CAPITAL SOLUTIONS | UNKNOWN UNKNOWN, NE 68501 | ASSURITY LIFE INSURANCE COMPANY | $306 | $0 | $306 | 9.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 4550 EAST 53RD STREET, SUITE 100 DAVENPORT, IA 52807 | ASSURITY LIFE INSURANCE COMPANY | $131 | $0 | $131 | 4.15% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER | 2900 SOUTH 70TH STREET SUITE 300 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 4.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 4.06% |
| JOHN A DONALDSON3 Filed as: JOHN DONALDSON | 2004 98 PALMS BOULEVARD APARTMENT 4336 DESTIN, FL 32541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 1.39% |
| LINCOLN CAPITAL SOLUTIONS, LLC3 | 1640 SOUTH 70TH STREET SUITE 200 LINCOLN, NE 68506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 1.04% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 1563 ASHLEY CREEK LANE CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| AUSTYN SVEHLA3 | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| MICHAEL COPPESS3 | 4910 DODGE STREET SUITE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 299 | $2.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 349 | $172K |
| Vision | VISION SERVICE PLAN | 129 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 179 | $172K |
| Short-term disability | STANDARD INSURANCE COMPANY | 179 | $172K |
| Long-term disability | STANDARD INSURANCE COMPANY | 179 | $172K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEBRASKA | 299 | $2.9M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 187 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.