| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIPC3 | 8670 W CHEYENNE AVENUE SUITE 120 LAS VEGAS, NV 89129 | MIDLANDS CHOICE INSURANCE COMPANY | $112K | — | $112K | 115.41% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW SUITE 600 WICHITA, KS 67203 | MIDLANDS CHOICE INSURANCE COMPANY | — | $54K | $54K | 55.62% |
| MIDLANDS CHOICE4 Filed as: MIDLANDS CHOICE INC | 8420 WEST DODGE RD SUITE 210 OMAHA, NE 681143492 | MIDLANDS CHOICE INSURANCE COMPANY | — | $6K | $6K | 6.27% |
| CARE ADVOCATES4 | 345 N RIVERVIEW, SUITE 600 WICHITA, KS 67203 | MIDLANDS CHOICE INSURANCE COMPANY | — | $2K | $2K | 2.26% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.86% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $529 | $529 | 0.93% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $832 | $2K | 11.36% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $161 | $161 | 0.97% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $727 | $2K | 15.00% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 N MARIAN RD, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $142 | $142 | 0.98% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $374 | $209 | $583 | 13.97% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 OMAHA, NE 68116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41 | $41 | 0.98% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MIDLANDS CHOICE INSURANCE COMPANY | 106 | $97K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $57K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $4K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $15K |
| Stop-loss / reinsurancereinsurance | MIDLANDS CHOICE INSURANCE COMPANY | 106 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
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.