| 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 | $115K | — | $115K | 3.74% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL | SERVICES, INC. 4221 N 203RD ST, STE 200 ELKHORN, NE 68022 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 14.95% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 14.66% |
| KEVIN S HARRINGTON3 | 239 PEBBLE BCH LINCOLN, NE 68520 | CONTINENTAL AMERICAN INSURANCE COMPANY | $520 | — | $520 | 0.89% |
| J2T2 ENTERPRISES INC3 | 10135 S 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 0.72% |
| TODD H BURRER3 | 9709 S 176TH AVE OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.31% |
| JEANNE R SMITH3 | 21203 157TH AVE E GRAHAM, WA 98338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.29% |
| THOMAS E SHEFFIELD3 | 518 GRANT AVENUE YORK, NE 68467 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.22% |
| RENEE J LORANGER3 | 1537 FLORIDA RD STE 109 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.18% |
| MARK FRIEHE3 | 7421 S 197TH ST GRETNA, NE 68028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.14% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.07% |
| MICHAEL COPPESS3 Filed as: MICHAEL DA COPPESS | 8790 F ST, STE 204 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.07% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR. BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.05% |
| KRISTY M PIETRO3 Filed as: KRISTY PIETRO | 530 S 161ST CIR OMAHA, NE 68118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD, STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MICHAEL S CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 465 | $3.1M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 304 | $134K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 304 | $134K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 118 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.