| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 681302391 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.28% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY, INC. | 9394 W DODGE ROAD SUITE 250 OMAHA, NE 681143319 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.62% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 W DODGE RD SUITE 250 OMAHA, NE 68114 | AETNA LIFE INSURANCE CO. | $6K | $1K | $8K | 10.78% |
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 6.35% |
| DAVID BECK AND ASSOCIATES, INC.3 | 19007 BOYD STREET ELKHORN, NE 68022 | AFLAC | $903 | — | $903 | 4.77% |
| JENNIFER MILLER3 Filed as: JENNIFER L COFFMAN | PO BOX 540761 OMAHA, NE 68154 | AFLAC | $861 | — | $861 | 4.55% |
| MJ INSURANCE3 Filed as: DAVID BECK AND VARIOUS AGENTS | 19007 BOYD STREET ELKHORN, NE 68022 | AFLAC | $734 | $57 | $791 | 4.18% |
| ANN C BECK3 Filed as: ANN BECK | 19007 BOYD STREET ELKHORN, NE 68022 | AFLAC | $608 | $126 | $734 | 3.88% |
| MARY E MERICA3 Filed as: MARY MERICA | 5211 N 150TH STREET SUITE 105 OMAHA, NE 68116 | AFLAC | $331 | — | $331 | 1.75% |
| CHELSEA SCHERNIKAU3 | 309 W CEDAR STREET SUTTON, NE 68979 | AFLAC | $243 | — | $243 | 1.28% |
| JENNIFER COFFMAN3 | PO BOX 1001 FREMONT, NE 68026 | AFLAC | $237 | — | $237 | 1.25% |
| RICHARD MASSEY3 | PO BOX 540916 OMAHA, NE 68154 | AFLAC | $189 | — | $189 | 1.00% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 440 REGENCY PARKWAY DRIVE SUITE 234 OMAHA, NE 68114 | AFLAC | $174 | — | $174 | 0.92% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 128 | $1.4M |
| Life insurance | AETNA LIFE INSURANCE CO. | 125 | $72K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 125 | $72K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 125 | $72K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 125 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.