| 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 | $339K | $113K | $452K | 3.87% |
| NEBRASKA BANKERS INS & SRVCS0 Filed as: NEBRASKA STATE BAR ASSOCIATION | 635 S 14TH ST LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $118K | $118K | 1.01% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $68K | — | $68K | 0.58% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $28K | $12K | $41K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $22K | $7K | $29K | 0.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $8K | — | $8K | 0.07% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | 1175 JOHN STREET W HENRIETTA, NY 14586 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $5K | — | $5K | 0.04% |
| DIVERSIFIED BENEFITS GROUP LLC3 Filed as: DIVERSIFIED BENEFITS GOUP LLC | 11207 W DODGE RD SUITE 120 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $3K | — | $3K | 0.02% |
| 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 | $210 | — | $210 | 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 | 775 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 1,510 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,510 | — |
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.