| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL D GRAY3 Filed as: MICHAEL FRED TEWS | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $988 | $228 | $1K | 3.22% |
| DAVID L DARLINGTON3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $988 | $228 | $1K | 3.22% |
| TEWS FNCL GROUP INC3 | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $367 | $33 | $400 | 1.06% |
| BRIAN J DIERKS3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $165 | $39 | $204 | 0.54% |
| MICHAEL D GRAY3 Filed as: MICHAEL FRED TEWS | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $2K | $352 | $2K | 6.76% |
| DAVID L DARLINGTON3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $2K | $352 | $2K | 6.76% |
| TEWS FNCL GROUP INC3 | STE 500 EMBASSY TOWER 9300 UNDERWOOD AVE OMAHA, NE 68114 | NORTHWESTERN MUTUAL | $565 | $50 | $615 | 2.22% |
| BRIAN J DIERKS3 | 2900 S 70TH ST STE 200 LINCOLN, NE 68506 | NORTHWESTERN MUTUAL | $254 | $60 | $314 | 1.13% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 111 | $38K |
| Long-term disability | NORTHWESTERN MUTUAL | 111 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.