| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANN C BECK3 Filed as: ANN BECK | 19007 BOYD ST ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | — | $3K | 2.58% |
| NELSON ILDEFONSO3 | 4611 S 96TH ST OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | — | $3K | 2.40% |
| TODD H BURRER3 Filed as: TODD BURRER | 17445 ARBOR STREET, STE 300 OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | — | $2K | 1.88% |
| NELSON ILDEFONSO3 | 4606 CLEARWATER DRIVE BELLEVUE, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | — | $2K | 1.66% |
| MARK FRIEHE3 | 4611 S 96TH ST OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | — | $1K | 1.22% |
| STEVEN R YENNEY3 Filed as: STEVEN YENNEY | 18412 HOWARD ST ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | — | $1K | 1.22% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 601 CODY DRIVE BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $717 | — | $717 | 0.60% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 2711 LEIGN LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $162 | — | $162 | 0.14% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $55 | — | $55 | 0.05% |
| MICHAEL CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $52 | — | $52 | 0.04% |
| NOVO BENEFITS, LLC3 | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | GUARDIAN | $12K | — | $12K | 13.00% |
| NOVO BENEFITS, LLC3 | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | VSP | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Other services; Claims processing; Insurance services; Contract Administrator Service code 12 | — | $109K |
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 | 707 | 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) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 352 | $56K |
| Life insurance | GUARDIAN | 186 | $89K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 343 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.