| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | — | COVENTRY HEALTH CARE OF NEBRASKA | $21K | — | $21K | 2.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE CHICAGO, IL 60675 | COVENTRY HEALTH CARE OF NEBRASKA | $11K | — | $11K | 1.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | LIBERTY AVENUE 10TH FLOOR EQT PLAZA PITTSBURGH, PA 15222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.37% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC | — | DELTA DENTAL OF NEBRASKA | $3K | — | $3K | 5.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | — | DELTA DENTAL OF NEBRASKA | $2K | — | $2K | 4.32% |
| NEBRASKA METHODIST HEALTH SYSTEM5 | — | NEBRASKA METHODIST HEALTH SYSTEM D/B/A BESTCARE EAP | — | $5K | $5K | — |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF NEBRASKA | 117 | $900K |
| Dental | DELTA DENTAL OF NEBRASKA | 168 | $45K |
| Vision | VISION SERVICE PLAN | 109 | $15K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 130 | $60K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 130 | $60K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 130 | $60K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 179 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.