| 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 | $145K | — | $145K | 5.01% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 0.82% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $110K | — | $110K | 10.07% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 1.94% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 7.01% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.94% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $53K | — | $53K | 10.00% |
| S & K ASSOCIATES LLC3 Filed as: S & K ASSOCIATES | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 2.32% |
| NEBRASKA BANKERS INS & SRVCS3 | 233 S 13TH ST STE 700 LINCOLN, NE 68508 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.50% |
| S & K ASSOCIATES LLC3 | 1502 NW PARKRIDGE PL ANKENY, IA 50023 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NEBRASKA NONE | Other services; Contract Administrator Service code 13 | PO BOX 3248 402-982-7000 OMAHA, NE 681800001 | $2.3M |
| NEBR BANKERS INSURANCE & SVCS CO NE BANKERS ASSN SUBSIDIAR | Contract Administrator Service code 13 | PO BOX 80008 402-474-1555 LINCOLN, NE 685010008 | $672K |
| WELLNESS PARTNERS LLC NONE | Other services Service code 49 | 106 W 3RD ST 308-345-7775 MCCOOK, NE 69001 | $130K |
| GALLAGHER BENEFIT SERVICES NONE | Consulting (general) Service code 16 | 10050 REGENCY CIR STE 300 402-397-5050 OMAHA, NE 68114 | $93K |
| CLINE WILLIAMS LAW FIRM NONE | Legal Service code 29 | 233 S 13TH ST SUITE 1900 402-474-6900 LINCOLN, NE 68508 | $17K |
| STRAIN SLATTERY BARKLEY & CO., CPAS NONE | Accounting (including auditing) Service code 10 | 7130 S 29TH ST., SUITE F 402-420-7300 LINCOLN, NE 68516 | $15K |
| SBS CYBERSECURITY NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 700 S WASHINGTON AVE 200 605-923-8722 MADISON, SD 57042 | $5K |
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 | 2,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 3,671 | $2.9M |
| Vision | STANDARD INSURANCE COMPANY | 2,885 | $663K |
| Life insurance | STANDARD INSURANCE COMPANY | 15,977 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 688 | $121K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,590 | $526K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,977 | — |
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.