| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANN C BECK3 Filed as: ANN BECK | 19007 BOYD STREET OMAHA, NE 68002 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | $0 | $3K | 2.65% |
| NELSON ILDEFONSO3 | 4611 S 96TH ST #108 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 1.86% |
| NELSON ILDEFONSO3 | 4606 CLEARWATER DRIVE BELLEVUE, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.20% |
| TODD H BURRER3 Filed as: TODD BURRER | 17445 ARBOR STREET, STE 300 OMAHA, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.14% |
| MARK FRIEHE3 | 4611 S 96TH ST #101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.09% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 801 CODY DR BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $477 | $0 | $477 | 0.45% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 2711 LEIGH LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $456 | $0 | $456 | 0.43% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD, STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $31 | $0 | $31 | 0.03% |
| MICHAEL CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $30 | $0 | $30 | 0.03% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.00% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | VSP | $6K | $0 | $6K | 10.02% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 335 | $55K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 184 | $64K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 310 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.