| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANN C BECK3 Filed as: ANN BECK | 10250 REGENCY CIRCLE, SUITE 250 OMAHA, NE 68114 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | — | $3K | 2.30% |
| NELSON ILDEFONSO3 Filed as: NELSON IDELFONSO | 4611 S 96TH ST, #108 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.95% |
| TODD H BURRER3 Filed as: TODD BURRER | 17445 ARBOR ST., #300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.79% |
| NELSON ILDEFONSO3 Filed as: NELSON IDELFONSO | 4606 CLEARWATER DRIVE BELLEVUE, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.69% |
| MARK FRIEHE3 | 4611 S 96TH ST, #101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.40% |
| STEVEN R YENNEY3 Filed as: STEVEN YENNEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.25% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 14710 WEST DODGE ROAD, #200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $740 | $0 | $740 | 0.62% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 1403 WIMBLETON WAY WAUNAKEE, WI 53597 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $89 | $0 | $89 | 0.07% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD, #200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $57 | — | $57 | 0.05% |
| MICHAEL CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $53 | $0 | $53 | 0.04% |
| CORPORATE BENEFIT DESIGN Filed as: CORPORATE BENEFITS CONSORTIUM, LLC | 11755 E. PEAKVIEW AVE, SUITE 250 ENGLEWOOD, CO 80111 | GUARDIAN | — | — | $0 | 0.00% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS | 11755 E. PEAKVIEW AVE, SUITE 250 ENGLEWOOD, CO 80111 | VSP | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NOVO BENEFITS, LLC EIN 46-1359884 BA | Insurance brokerage commissions and fees Service code 53 | — | $87K |
| PHARMACEUTICAL TECHNOLOGIES, INC EIN 47-0764793 PBM | Claims processing; Contract Administrator; Other fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $41K |
| MERITAIN HEALTH EIN 16-1264154 TPA | Contract Administrator; Other services; Claims processing; Insurance services Service code 12 | — | $24K |
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 | 735 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 358 | $56K |
| Life insurance | GUARDIAN | 183 | $80K |
| Long-term disability | GUARDIAN | 183 | $80K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 375 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.