| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEBRASKA BANKERS INS & SRVCS3 Filed as: NEBRASKA BANKERS INS & SVCS | 233 S 13TH ST, STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $151K | — | $151K | 5.00% |
| DONALD L SOUTHWORTH3 | 9604 STATE LANE RD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 0.50% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.32% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $114K | — | $114K | 9.95% |
| DONALD L SOUTHWORTH3 | 9604 STATE LANE RD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 0.99% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 0.89% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $47K | — | $47K | 7.01% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.93% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $56K | — | $56K | 10.00% |
| S & K ASSOCIATES LLC3 Filed as: S & K ASSOCIATES | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 1.21% |
| DONALD L SOUTHWORTH3 | 9604 STATE LANE RD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.00% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 7.50% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| DONALD L SOUTHWORTH3 | 9604 STATE LANE RD LEAWOOD, KS 66206 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NEBRASKA NONE | Contract Administrator Service code 13 | PO BOX 3248 402-982-7000 OMAHA, NE 681800001 | $1.7M |
| NEBR BANKERS INSURANCE & SVCS CO NE BANKERS ASSN SUBSIDIAR | Contract Administrator Service code 13 | PO BOX 80008 402-474-1555 LINCOLN, NE 685010008 | $640K |
| CLINE WILLIAMS LAW FIRM NONE | Legal Service code 29 | 233 S 13TH ST SUITE 1900 402-474-6900 LINCOLN, NE 68508 | $25K |
| STRAIN SLATTERY BARKLEY & CO., CPAS NONE | Accounting (including auditing) Service code 10 | 7130 S 29TH ST., SUITE F 402-420-7300 LINCOLN, NE 68516 | $17K |
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 | 2,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 3,806 | $3.0M |
| Vision | STANDARD INSURANCE COMPANY | 2,914 | $669K |
| Life insurance | STANDARD INSURANCE COMPANY | 15,982 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 748 | $138K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,741 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,982 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.