| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 4.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 685082878 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 5.00% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 13.58% |
| J2T2 ENTERPRISES INC3 | 10135 S 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $710 | — | $710 | 1.35% |
| KEVIN S HARRINGTON3 | 239 PEBBLE BCH LINCOLN, NE 68520 | CONTINENTAL AMERICAN INSURANCE COMPANY | $416 | — | $416 | 0.79% |
| ECKERT BENEFITS GROUP INC3 | 625 MORRISON DDR OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | — | $282 | 0.54% |
| THOMAS E SHEFFIELD3 | 518 GRANT AVENUE YORK, NE 68467 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.30% |
| RENEE J LORANGER3 | 1537 FLORIDA RD STE 109 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.26% |
| TODD H BURRER3 | 9709 S 176TH AVE OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.16% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.10% |
| MICHAEL COPPESS3 | 8790 F ST STE 204 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.09% |
| AMY M BUCHANAN3 | 1584 RIDGE RD DURANGO, CO 81303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.08% |
| MARK FRIEHE3 | 7421 S 197TH ST GRETNA, NE 68028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.07% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR. BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| KRISTY M PIETRO3 | 530 S 161ST CIR OMAHA, NE 68118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| MICHAEL S CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| GREGORY A LITZ3 | 3722 SIMONVIEW CT GRAND FORKS, ND 58201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 512 | $95K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 512 | $95K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 159 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.