| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANN C BECK3 Filed as: ANN BECK | 19007 BOYD ST ELKHORN, NE 68002 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | $0 | $3K | 2.91% |
| NELSON ILDEFONSO3 | 4611 S 96TH ST #108 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | $0 | $3K | 2.70% |
| TODD BURNER3 | 17445 ARBOR STREET, STE 300 OMAHA, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.90% |
| NELSON ILDEFONSO3 | 4606 CLEARWATER DRIVE BELLEVUE, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.83% |
| MARK FRIEHE3 | 4611 S 96TH ST #101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.62% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELDEN-PLACE | 601 CODY DRIVE BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $662 | $0 | $662 | 0.68% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 2711 LEIGN LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $356 | $0 | $356 | 0.36% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD, STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $48 | — | $48 | 0.05% |
| MICHAEL CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $45 | $0 | $45 | 0.05% |
| DAVID BECK3 | 15606 ELM STREET OMAHA, NE 68130 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $25 | $0 | $25 | 0.03% |
| NOVO BENEFITS, LLC3 | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 15.36% |
| 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 | Contract Administrator; Claims processing; Custodial (securities) Service code 12 | — | $255K |
| NOVO BENEFITWS LLC EIN 46-1359884 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $85K |
| MIDWEST BENEFIT ADVISORS, INC. EIN 20-0929884 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $26K |
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 | 750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 355 | $58K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 180 | $59K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 354 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.