| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLSON, TIMOTHY H3 Filed as: THE OLSON GROUP | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 9.10% |
| OLSON, TIMOTHY H3 Filed as: THE OLSON GROUP | 16820 FRANCES STREET SUITE 202 OMAHA, NE 68130 | AETNA LIFE INSURANCE CO | $2K | — | $2K | 8.46% |
| DAVE BECK AND ASSOC INC3 | 19007 BOYD ST ELKHORN, NE 68022 | AFLAC | $2K | — | $2K | 8.10% |
| ANN C BECK3 Filed as: ANN BECK | 19007 BOYD ST ELKHORN, NE 68022 | AFLAC | $1K | $184 | $2K | 6.53% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 440 REGENCY PARKWAY DR SUITE 234 OMAHA, NE 68114 | AFLAC | $497 | $40 | $537 | 2.10% |
| MJ INSURANCE3 Filed as: DAVID BECK AND VARIOUS AGENTS | 19007 BOYD ST ELKHORN, NE 68022 | AFLAC | $529 | $4 | $533 | 2.08% |
| JENNIFER COFFMAN3 | PO BOX 1001 FREMONT, NE 68026 | AFLAC | $359 | $18 | $377 | 1.47% |
| MARY E MERICA3 Filed as: MARY MERICA | 5211 N 150TH ST SUITE 105 OMAHA, NE 68116 | AFLAC | $248 | — | $248 | 0.97% |
| SARAH SCHRIER3 | 14048 OHERN ST OMAHA, NE 68137 | AFLAC | $128 | $37 | $165 | 0.64% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $80K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $80K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $80K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.