| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SERVICES INC. | 4221 N 203RD ST SUITE 200 ELKHORN, NE 68022 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $206K | $34K | $241K | 2.56% |
| NEBRASKA BANKERS INS & SRVCS0 Filed as: NEBRASKA STATE BAR ASSOCIATION | 635 S 14TH ST SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $91K | $91K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $45K | $22K | $67K | 0.71% |
| INSPRO INC3 Filed as: INSPRO | 4000 PINE LAKE RD LINCOLN, NE 68516 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $23K | $11K | $34K | 0.36% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $26K | $7K | $32K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 11213 DAVENPORT ST. SUITE 201 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $8K | — | $8K | 0.09% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 Filed as: BETTENHAUSEN INSURANCE SERVICES | 6041 VILLAGE DR. SUITE 100 LINCOLN, NE 68516 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $8K | — | $8K | 0.09% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT SERVICES | 8101 O ST. SUITE 110 LINCOLN, NE 68510 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $340 | — | $340 | 0.00% |
| ROGERS BENEFIT GROUP INC3 | 14216 DAYTON CIR SUITE 8 OMAHA, NE 68137 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $170 | — | $170 | 0.00% |
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 | 742 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 1,383 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.