| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEBRASKA BANKERS INS & SRVCS3 Filed as: NEBRASKA BANKERS INSURANCE&SERVICES | 233 S 13TH ST STE 700 LINCOLN, NE 685082029 | METROPOLITAN LIFE INSURANCE COMPANY | $408K | — | $408K | 7.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NEBRASKA EIN 47-0095156 NONE | Contract Administrator; Other services Service code 13 | 1919 ASKARBEN DR OMAHA, NE 68180 | $1.2M |
| NEBR. BANKERS INSURANCE & SVCS CO EIN 47-0639387 NE BANKERS ASSN. SUBSID. | Contract Administrator Service code 13 | 233 SOUTH 13TH, SUITE 700 LINCOLN, NE 68508 | $700K |
| WELLNESS PARTNERS, LLC EIN 20-5668686 NONE | Other services Service code 49 | 106 WEST 3RD ST P.O. BOX 488 MCCOOK, NE 69001 | $170K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Consulting (general) Service code 16 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $51K |
| CLINE WILLIAMS WRIGHT JOHNSON EIN 47-0382823 NONE | Legal Service code 29 | 233 SOUTH 13TH STREET, SUITE 1900 LINCOLN, NE 68508 | $22K |
| BMG CERTIFIED PUBLIC ACCOUNTANTS EIN 47-0650756 NONE | Accounting (including auditing) Service code 10 | 3533 SOUTH 85TH STREET LINCOLN, NE 68520 | $14K |
| AGILX, LLC EIN 27-5282149 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 800 P ST. #300 LINCOLN, NE 68508 | $9K |
| SBS CYBERSECURITY, LLC EIN 20-1679134 NONE | Other services Service code 49 | 700 S WASHINGTON AVE SUITE 200 MADISON, SD 57042 | $8K |
| MORNEAU SHEPELL LIMITED EIN 52-1883918 NONE | Other services Service code 49 | 115 PERIMETER CENTER PLACE ATLANTA, GA 30346 | $7K |
| GROOM LAW GROUP CHARTERED EIN 52-1219029 NONE | Legal Service code 29 | 1701 PENNSYLVANIA AVE, NW, STE 1200 WASHINGTON, DC 20006 | $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 | 2,505 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,351 | $5.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 10,351 | $5.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,351 | $5.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,351 | $5.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,351 | $5.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 10,351 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,351 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.