| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6040 S. 58TH STREET SUITE E LINCOLN, NE 68516 | MEDICA INSURANCE COMPANY | $34K | $410 | $35K | 1.26% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST, SUITE 200 ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $16K | $7K | $24K | 0.86% |
| PREFERRED MARKETING ASSOCIATES3 | 3530 N 163RD PLAZA OMAHA, NE 68116 | MEDICA INSURANCE COMPANY | $6K | $3K | $9K | 0.33% |
| COMPENSATION PROGRAMS, INC.3 | 1040 N COTNER BLVD LINCOLN, NE 68505 | MEDICA INSURANCE COMPANY | $1K | $670 | $2K | 0.08% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | MEDICA INSURANCE COMPANY | $900 | — | $900 | 0.03% |
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 | 445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 231 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.