| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM OLSON INC3 | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AETNA | $9K | $0 | $9K | 11.54% |
| DAVID BECK AND ASSOCIATES, INC.3 | 19007 BOYD ST ELKHORN, NE 68022 | AFLAC | $2K | — | $2K | 9.09% |
| ANN C BECK3 | 190047 BOYD ST ELKHORN, NE 68022 | AFLAC | $1K | $34 | $1K | 7.01% |
| MJ INSURANCE3 Filed as: DAVID BECK AND VARIOUS AGENTS | 19007 BOYD STREET ELKHORN, NE 68022 | AFLAC | $618 | $6 | $624 | 3.17% |
| JENNIFER MILLER3 Filed as: JENNIFER L COFFMAN | PO BOX 540761 OMAHA, NE 68154 | AFLAC | $400 | $28 | $428 | 2.18% |
| ROSS C NELSON3 | 440 REGENCY PARKWAY DR SUITE 234 OMAHA, NE 68114 | AFLAC | $404 | $8 | $412 | 2.10% |
| SARAH SCHRIER3 Filed as: SARAH F SCHRIER | 14048 OHERN ST OMAHA, NE 68137 | AFLAC | $311 | — | $311 | 1.58% |
| MARY E MERICA3 | 5211 N 150TH ST SUITE 105 OMAHA, NE 68116 | AFLAC | $309 | — | $309 | 1.57% |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA | 136 | $75K |
| Short-term disability | AETNA | 136 | $75K |
| Long-term disability | AETNA | 136 | $75K |
| Other(2 contracts, 2 carriers) | AETNA | 136 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.