| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINCOLN FINANCIAL MANAGEMENT LLC3 Filed as: LINCOLN FINANCIAL MANAGEMENT, LLC | 6040 S 58TH STREET SUITE E LINCOLN, NE 68516 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 6.29% |
| LINCOLN FINANCIAL MANAGEMENT LLC3 Filed as: LINCOLN FINANCIAL MANAGEMENT, LLC | 6040 SOUTH 58TH STREET SUITE E LINCOLN, NE 68516 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 7.53% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS, INC | 4910 DODGE STREET OMAHA, NE 68132 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 57.01% |
| LORI DAILEY3 | 1699 N SYCAMORE STREET WAHOO, NE 68066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | — | $22 | 9.17% |
| PATRICK LILLIS3 | PO BOX 1102 BELLEVUE, NE 68005 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4 | — | $4 | 1.67% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $541K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $178K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $178K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $178K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $178K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 50 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.