| 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 | $132K | $39K | $171K | 5.35% |
| NEBRASKA DENTAL ASSOCIATION0 | 7160 S 29TH ST STE 1 LINCOLN, NE 685165853 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $32K | $32K | 0.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOC | 13810 FNB PKWY #300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $5K | $2K | $7K | 0.21% |
| PREFERRED MARKETING ASSOCIATES3 | 3530 N 163RD PLAZA OMAHA, NE 68116 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $4K | $150 | $4K | 0.12% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $3K | $1K | $4K | 0.12% |
| GROUP MARKETING SERVICES INC3 | 177445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | $715 | $3K | 0.10% |
| COMPENSATION PROGRAMS, INC.3 Filed as: COMPENSATION PROGRAMS INC | 1040 N COTNER BLVD LINCOLN, NE 68505 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | $1K | $3K | 0.10% |
| RABINE FINANCIAL PARTNERS LLC3 | 14225 DAYTON CIR #5 OMAHA, NE 68137 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $3K | — | $3K | 0.09% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 279 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NEBRASKA | 279 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.