| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE AND FINANCIAL SERVICE3 | 17445 ARBOR ST STE 310 OMAHA, NE 68130 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 4.08% |
| KOLLMORGEN & ASSOC. INC3 Filed as: KOLLMORGEN BENEFITS, INC. | 1919 S. 40TH ST. LINCOLN, NE 68506 | DELTA DENTAL OF NEBRASKA | $9K | — | $9K | 9.16% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 E 5TH ST ST PAUL, MN 55101 | DELTA DENTAL OF NEBRASKA | $5K | — | $5K | 4.58% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 17445 ARBOR ST STE 310 OMAHA, NE 68130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 10.12% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 17445 ARBOR ST. #300 OMAHA, NE 68130 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 14.76% |
| OCI INSURANCE AND FINANCIAL SERVICE3 | 17445 ARBOR ST STE 310 OMAHA, NE 68130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 18.61% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $1.3M |
| Dental | DELTA DENTAL OF NEBRASKA | 372 | $101K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 287 | $23K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $98K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $98K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $98K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.