| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL | SERVICES, INC. 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | UNITED-HEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 4.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.57% |
| J2T2 ENTERPRISES INC3 | 10135 S 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| KEVIN S HARRINGTON3 | 4800 HUDDERS FIELD CT LINCOLN, NE 68516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | — | $779 | 1.30% |
| TODD H BURRER3 | 17445 ARBOR ST STE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $319 | — | $319 | 0.53% |
| RENEE J DOLLWET3 | 11110 3RD AVE E BRADENTON, FL 34212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.29% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.28% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.24% |
| GREG A LITZ3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.17% |
| KRISTY M PIETRO3 | 440 REGENCY PARK DRIVE STE 234 OMAHA, NE 68114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.08% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR. BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.08% |
| MICHAEL COPPESS3 | 4910 DODGE ST STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| MICHAEL S CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED-HEALTHCARE INSURANCE COMPANY | 314 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 490 | $81K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 490 | $81K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 360 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.