| 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 | $45K | — | $45K | 3.55% |
| NEBRASKA DENTAL ASSOCIATION0 | 7160 S 29TH ST STE 1 LINCOLN, NE 685165853 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $11K | $11K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR. SUITE 100 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $5K | — | $5K | 0.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $2K | — | $2K | 0.13% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $1K | — | $1K | 0.09% |
| COMPENSATION PROGRAMS, INC.3 | 1040 N. COTNER BLVD. LINCOLN, NE 68505 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $770 | — | $770 | 0.06% |
| GARY THOMPSON AGENCY3 Filed as: GARY THOMPSON AGENCY, INC. | 4200 LUCILE DRIVE A200 LINCOLN, NE 68506 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $150 | — | $150 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL-OMAHA | 17807 BURKE ST STE 401 OMAHA, NE 681182260 | UNITED HEALTHCARE INSURANCE COMPANY | -$308 | — | -$308 | -0.23% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 551201200 | UNITED HEALTHCARE INSURANCE COMPANY | $202 | — | $202 | 0.45% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 549 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.