| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOVO BENEFITS, LLC3 | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 20.11% |
| NOVO BENEFITS, LLC3 | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | GUARDIAN LIFE INSURANCE COMPANU | $11K | $0 | $11K | 13.00% |
| NOVO BENEFITS, LLC3 | 11755 E PEAKVIEW AVE, STE 250 ENGLEWOOD, CO 80111 | VSP | $5K | $0 | $5K | 9.99% |
| ANN C BECK3 | 19007 BOYD ST ELKHORN, NE 68002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | $0 | $652 | 1.64% |
| NELSON ILDEFONSO3 Filed as: NELSON IDELFONSO | 4806 CLEARWATER DRIVE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $618 | $0 | $618 | 1.55% |
| TODD H BURRER3 Filed as: TODD BURRER | 9709 S 176TH AVE OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 1.45% |
| FRIEHE, MARK3 | 7421 S 19TH ST GRETNA, NE 63080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | $0 | $483 | 1.21% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA DIANE WELKEN-PLACE | 5601 CODY DRIVE BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | $0 | $264 | 0.66% |
| IDELFONSO, NELSON3 | 4606 CLEARWATER DRIVE BELLEVUE, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 0.40% |
| MICHAEL S CEJKA3 Filed as: MICHAEL CEIKA | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.06% |
| KENNETH R THOMASON3 Filed as: KENNETH RAY THOMASON | 14710 WEST DODGE ROAD, STE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.06% |
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). |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 288 | $53K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANU | 183 | $88K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 304 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.