| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | HCC LIFE INSURANCE COMPANY | $44K | — | $44K | 17.85% |
| CONSOCIATE GROUP5 | 2828 N MONROE STREET PO BOX 1068 DECATUR, IL 62526 | HCC LIFE INSURANCE COMPANY | — | $27K | $27K | 10.71% |
| ADVOCATE 245 | 225 TOWNPARK DRIVE, SUITE 350 KENESAW, GA 301445509 | HCC LIFE INSURANCE COMPANY | — | $20K | $20K | 7.91% |
| MIDLANDS CHOICE4 Filed as: MIDLANDS CHOICE INC | 8420 WEST DODGE RD SUITE 210 OMAHA, NE 681143492 | HCC LIFE INSURANCE COMPANY | — | $7K | $7K | 2.93% |
| HINES & ASSOCIATES4 | 115 EAST HIGHLAND AVENUE ELGIN, IL 60120 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 1.17% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 9.53% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.87% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 9.10% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $452 | $452 | 1.24% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.00% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $325 | $325 | 1.59% |
| RADER INSURANCE INC3 Filed as: RADER INSURANCE, INC. | 1130 W 2ND ST HASTINGS, NE 689014901 | VISION SERVICE PLAN | $1K | — | $1K | 5.04% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | $258 | $709 | 13.76% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $89 | $89 | 1.73% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 101 | $248K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $61K |
| Vision | VISION SERVICE PLAN | 85 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $5K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $20K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 101 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
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.
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.