| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION PROGRAMS, INC.3 | 7811 PIONEERS BOULEVARD, SUITE 202 LINCOLN, NE 68506 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.59% |
| ROGERS BENEFIT GROUP INC3 | 9394 WEST DODGE ROAD, SUITE 251 OMAHA, NE 68114 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.59% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.81% |
| HIGHSTREET INSURANCE SERVICES3 | PO BOX 445 RED CLOUD, NE 68970 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 9394 WEST DODGE ROAD, SUITE 251 OMAHA, NE 68114 | PRINCIPAL LIFE INSURANCE COMPANY | — | $360 | $360 | 0.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 13810 FNB PARKWAY OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $3K | $416 | $4K | 11.34% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 382 | $31K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 402 | $88K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 402 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.