| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID L DARLINGTON3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $1K | $279 | $1K | 3.48% |
| MICHAEL D GRAY3 Filed as: MICHAEL FRED TEWS | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $891 | $206 | $1K | 2.57% |
| TEWS FNCL GROUP INC3 | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $377 | $33 | $410 | 0.96% |
| BRIAN J DIERKS3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $201 | $48 | $249 | 0.58% |
| DAVID L DARLINGTON3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $2K | $423 | $2K | 7.16% |
| MICHAEL D GRAY3 Filed as: MICHAEL FRED TEWS | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $1K | $320 | $2K | 5.41% |
| TEWS FNCL GROUP INC3 | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $579 | $51 | $630 | 2.00% |
| BRIAN J DIERKS3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $305 | $72 | $377 | 1.20% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 126 | $43K |
| Long-term disability | NORTHWESTERN MUTUAL | 126 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.