| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE AND FINANCIAL SERVICE3 | 4221 N 203RD ST SUITE 200 ELKHORN, NE 68022 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 5.68% |
| DJF HOLDINGS LLC3 | 649 N 156TH AVE OMAHA, NE 68118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 5.20% |
| GILLESPIE AGENCY LLC3 Filed as: GILLESPIE, STANLEY DOUGLAS | 1228 N 164TH ST OMAHA, NE 68118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.95% |
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 | 487 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUESHIELD OF NEBRASKA | 412 | $1.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $236K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $236K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $236K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $236K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.