| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY INC. | 11422 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AETNA LIFE INSURANCE CO. | $22K | $0 | $22K | 1.96% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD SUITE 250 OMAHA, NE 68114 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 0.99% |
| ANN C BECK3 Filed as: ANN BECK | 16636 FREDERICK CIRCLE OMAHA, NE 68130 | AFLAC | $920 | $3 | $923 | 5.31% |
| MJ INSURANCE3 Filed as: DAVID BECK AND VARIOUS AGENTS | 16636 FREDERICK CIRCLE OMAHA, NE 68130 | AFLAC | $758 | $7 | $765 | 4.40% |
| DAVID BECK AND ASSOCIATES, INC.3 | 16636 FREDERICK CIRCLE OMAHA, NE 68130 | AFLAC | $747 | $0 | $747 | 4.30% |
| MARY E MERICA3 Filed as: MARY MERICA | 5211 NORTH 150TH STREET OMAHA, NE 68116 | AFLAC | $509 | $2 | $511 | 2.94% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 470 PARK AVENUE NEW YORK, NY 10022 | AFLAC | $360 | $0 | $360 | 2.07% |
| MARK FRIEHE3 | 4611 SOUTH 96TH STREET, SUITE 101 OMAHA, NE 68127 | AFLAC | $259 | $2 | $261 | 1.50% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 4611 SOUTH 96TH STREET, SUITE D101 OMAHA, NE 68127 | AFLAC | $222 | $0 | $222 | 1.28% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 126 | $1.1M |
| Life insurance | AETNA LIFE INSURANCE CO. | 126 | $1.1M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 126 | $1.1M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 126 | $1.1M |
| Prescription drug | AETNA LIFE INSURANCE CO. | 126 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 126 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.