| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 5.82% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 5.84% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | — | $7K | $7K | 5.86% |
| J2T2 ENTERPRISES INC3 | 10135 SO 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.07% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.19% |
| TODD H BURRER3 | 17445 ARBOR STREET SUITE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $834 | — | $834 | 1.19% |
| EJ ENTERPRISES3 | 10135 SO 162ND ST OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | — | $436 | 0.62% |
| STEVEN R YENNEY3 Filed as: STEVEN R YENNY | 4251 N 165TH ST OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | — | $396 | 0.56% |
| GREG A LITZ3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | — | $391 | 0.56% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | — | $311 | 0.44% |
| KACHATURIAN ENTERPRISES INC3 | 530 S 161ST CIRCLE OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.23% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.17% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 732 SILVER SANDS DR CORDOVA, TN 38018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.13% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 14710 W DODGE ROAD STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.12% |
| MICHAEL COPPESS3 | 4910 DODGE ST STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.09% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.09% |
| MICHAEL S CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.05% |
| CATHERINE LEPORE3 | KELLYDALE ST NW MASSILLON, OH 44646 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.62% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | HYATT LEGAL PLANS | $2K | — | $2K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $609K |
| CRAWFORD ADVISORS, LLC EIN 30-0837157 COBRA/FSA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $241K |
| THE LINCOLN NATIONAL LIFE INS CO EIN 35-0472300 STD ADMINISTRATOR | Claims processing Service code 12 | — | $54K |
| CIGNA HEATH AND LIFE INS COMPANY EIN 59-1031071 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $46K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 RX ADMINISTRATOR | Claims processing Service code 12 | — | $39K |
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 | 1,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 589 | $95K |
| Vision | VISION SERVICE PLAN | 981 | $141K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 1,642 | $114K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 654 | $171K |
| Other(9 contracts, 7 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,642 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,642 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.