| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 9394 W DODGE RD STE. 250 OMAHA, NE 68114 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 13.76% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST. STE. 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $12K | $15K | $27K | 10.10% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 10.95% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 9394 WEST DODGE RD. STE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.39% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.57% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | PO BOX 9207 DES MOINES, IA 50306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $911 | — | $911 | 0.78% |
| AMY L MCKINNEY3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $390 | — | $390 | 0.34% |
| KENDRA JO HUBBARD3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $330 | — | $330 | 0.28% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 0.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 13810 FNB PKWY OMAHA, NE 681545216 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 6.68% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY INC. | 9394 W DODGE RD. STE 250 OMAHA, NE 681143319 | AMERITAS LIFE INSURANCE CORP. | $3K | $2K | $5K | 4.87% |
| NEBRASKA METHODIST HEALTH SYSTEM5 | 8511 WEST DODGE ROAD OMAHA, NE 68114 | NEBRASKA METHODIST HEALTH SYSTEM D/B/A BESTCARE EAP | — | $15K | $15K | — |
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 | 533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 248 | $116K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,018 | $98K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 787 | $265K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 787 | $265K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,010 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.