| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| OLSON, TIMOTHY H3 Filed as: THE OLSON GROUP | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 9.11% |
| DAVE BECK AND ASSOC INC3 | 19007 BOYD ST ELKHORN, NE 68022 | AFLAC | $2K | $183 | $2K | 9.85% |
| KACHATURIAN ENTERPRISES INC3 | 530 S 161ST CIR OMAHA, NE 68118 | AFLAC | $142 | $27 | $169 | 0.85% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | AFLAC | $108 | — | $108 | 0.54% |
| ECKERT BENEFITS GROUP INC3 | 625 MORRISON DR OMAHA, NE 68154 | AFLAC | $39 | — | $39 | 0.20% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW RD LOUISBURG, KS 66053 | AFLAC | $17 | — | $17 | 0.09% |
| SCHRIER BENEFITS INC3 | 15398 NICHOLAS ST OMAHA, NE 68154 | AFLAC | $7 | — | $7 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE OLSON GROUP INSURANCE BROKER | Insurance agents and brokers Service code 22 | 16820 FRANCES STREET, STE 202 OMAHA, NE 68130 | $33K |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $75K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $75K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $75K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.