| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6040 S. 58TH STREET SUITE E LINCOLN, NE 68516 | MEDICA | $45K | $3K | $48K | 2.92% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST, SUITE 200 ELKHORN, NE 68022 | MEDICA | — | $5K | $5K | 0.28% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | MEDICA | $4K | — | $4K | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSPRO INSURANCE & MCLENNAN AGENCY | 100 EAST 6TH ST. FREMONT, NE 68026 | MEDICA | $4K | — | $4K | 0.23% |
| BENEFIT MANAGEMENT, INC.3 | 3341 PIONEER BLVD, SUITE 1 LINCOLN, NE 68056 | MEDICA | $1K | — | $1K | 0.07% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS | PO BOX 697 ELKHORN, NE 68022 | MEDICA | $920 | — | $920 | 0.06% |
| COMPENSATION PROGRAMS, INC.3 | 1040 N COTNER BLVD LINCOLN, NE 68505 | MEDICA | — | $538 | $538 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPSTONE ADMINISTRATORS, LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6110 TECHNOLOGY CENTER DR. #500 INDIANAPOLIS, IN 46278 | $41K |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA | 153 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.