| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | — | AETNA LIFE INSURANCE COMPANY | $266K | — | $266K | 4.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $27K | $52K | 16.52% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $11K | $30K | 23.03% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $23K | 22.92% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | — | VISION SERVICE PLAN | $7K | — | $7K | 9.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $7K | $17K | 24.11% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 23.74% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | — | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $10K | 23.43% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $772 | $772 | 1.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 23.16% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $550 | $550 | 1.70% |
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 | 2,497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,014 | $5.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,563 | $315K |
| Vision | VISION SERVICE PLAN | 1,878 | $76K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,811 | $170K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $132K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,636 | $56K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,811 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,014 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.