| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRULL AGENCY INC3 Filed as: KRULL AGENCY, INC | 2837 W. HIGHWAY 6, STE. 203 HASTINGS, NE 68901 | COVENTRY HEALTH AND LIFE | $46K | — | $46K | 2.80% |
| KRULL AGENCY INC3 Filed as: KRULL AGENCY, INC. | 2835 W. HIGHWAY 6 HASTINGS, NE 68901 | COMPANION LIFE INSURANCE COMPANY | $11K | $10 | $11K | 10.56% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUECROSS/BLUESHIELD OF NE | P.O. BOX 3248 OMAHA, NE 68180 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 5.27% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 365 | $1.6M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 202 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.