| 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 | — | $3K | 3.16% |
| NELSON ILDEFONSO3 | 4606 CLEARWATER DRIVE BELLEVUE, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.79% |
| TODD H BURRER3 Filed as: TODD BURRER | 9709 S 176TH AVENUE OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.68% |
| MARK FRIEHE3 | 7421 S 197TH STREET GRETNA, NE 68028 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | $0 | $1K | 1.36% |
| NELSON ILDEFONSO3 | 4606 CLEARWATER DRIVE BELLEVUE, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $606 | $0 | $606 | 0.73% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 601 CODY DRIVE BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $597 | $0 | $597 | 0.72% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 2711 LEIGN LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $274 | $0 | $274 | 0.33% |
| MICHAEL CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $51 | $0 | $51 | 0.06% |
| KENNETH R THOMASON3 Filed as: KENNETH THOMASON | 14710 WEST DODGE ROAD #200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $51 | $0 | $51 | 0.06% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVE., STE 250 ENGLEWOOD, CO 80111 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.00% |
| NOVO BENEFITS, LLC3 Filed as: NOVO BENEFITS LLC | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | VSP | $5K | $0 | $5K | 10.00% |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 319 | $52K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 176 | $74K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 307 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.