| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 11213 DAVENPORT ST. SUITE 201 OMAHA, NE 68154 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $91K | — | $91K | 1.63% |
| NEBRASKA BANKERS INS & SRVCS0 Filed as: NEBRASKA STATE BAR ASSOCIATION | 635 S 14TH ST STE 200 LINCOLN, NE 685082701 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | — | $46K | $46K | 0.83% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SERVICES INC. | 4221 N 203RD ST SUITE 200 ELKHORN, NE 68022 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $19K | — | $19K | 0.34% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $15K | — | $15K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR. SUITE 100 OMAHA, NE 68154 | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | $7K | — | $7K | 0.12% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | 847 | $5.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NEBRASKA | 847 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.