| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADMINISTRATORS INC3 Filed as: BENEFIT ADMINISTRATORS | 14214 U STREET OMAHA, NE 68137 | COVENTRY HEALTHCARE OF NEBRASKA | $20K | $7K | $26K | 4.78% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | COVENTRY HEALTHCARE OF NEBRASKA | $7K | — | $7K | 1.20% |
| BENEFIT ADMINISTRATORS INC3 Filed as: BENEFIT ADMINISTRATORS | 14214 U STREET OMAHA, NE 68137 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.36% |
| BENEFIT ADMINISTRATORS INC3 Filed as: BENEFIT ADMINISTRATORS | 14214 U STREET OMAHA, NE 68137 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.98% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AETNA LIFE INSURANCE COMPANY | $545 | — | $545 | 1.58% |
| MARY E MERICA3 Filed as: MARY E. MERICA | 5211 NORTH 150TH STREET, SUITE 105 OMAHA, NE 68116 | AFLAC | $688 | — | $688 | 5.13% |
| DAVID BECK3 | 16636 FREDERICK CIRCLE, SUITE 105 OMAHA, NE 68130 | AFLAC | $247 | — | $247 | 1.84% |
| MJ INSURANCE3 Filed as: THOMAS SHEFFIELD AND VARIOUS AGENTS | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $219 | — | $219 | 1.63% |
| STEVEN R YENNEY3 Filed as: STEVEN R. YENNEY | 18412 HOWARD STREET ELKHORN, NE 68022 | AFLAC | $80 | — | $80 | 0.60% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVENUESOUTH SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $55 | — | $55 | 0.41% |
| MITCHELL J FRIEHE3 Filed as: MITCHELL J. FRIEHE | 16909 PALISADES DRIVE OMAHA, NE 68136 | AFLAC | $55 | — | $55 | 0.41% |
| KATCHATURIAN ENTERPRISES, INC.3 | 530 SOUTH 161ST CIRCLE OMAHA, NE 68130 | AFLAC | $39 | — | $39 | 0.29% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTHCARE OF NEBRASKA | 106 | $553K |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 108 | $81K |
| Short-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY | 108 | $81K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY | 108 | $81K |
| Prescription drug | COVENTRY HEALTHCARE OF NEBRASKA | 106 | $553K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 108 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
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.