| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST SUITE 200 ELKHORN, NE 68022 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $218K | $125K | $343K | 2.79% |
| 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 | — | $121K | $121K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $70K | $34K | $104K | 0.85% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $58K | $22K | $81K | 0.66% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $16K | — | $16K | 0.13% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 Filed as: BETTENHAUSEN INSURANCE SERVICES | 6041 VILLAGE DR. SUITE 100 LINCOLN, NE 68516 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $12K | $3K | $15K | 0.12% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $3K | — | $3K | 0.02% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS | 12105 ANNE ST. OMAHA, NE 68137 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | — | $2K | 0.02% |
| DIVERSIFIED BENEFITS GROUP LLC3 | 11725 ARBOR ST SUITE 240 OMAHA, NE 68144 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | — | $2K | 0.02% |
| SWARTZBAUGH-FARBER & ASSOCIATES INC3 Filed as: SWARTZBAUGH FARBER ASSOCIATES | FINANCIAL PLAZA, 9140 W DODGE RD #418 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $2K | $2K | 0.01% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | 12921 CANTRELL ROAD SUITE 100 LITTLE ROCK, AZ 722231701 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $720 | — | $720 | 0.01% |
| INSPRO INC3 Filed as: INSPRO | 4000 PINE LAKE RD LINCOLN, NE 68516 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $75 | — | $75 | 0.00% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT SERVICES | 8101 O ST. SUITE 110 LINCOLN, NE 68510 | BLUE CROSS BLUE SHIELD OF NEBRASKA | -$60 | — | -$60 | -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 | 968 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 2,018 | $12.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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.