| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY COMPANY | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $6K | $26K | 9.61% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL SERVICE | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PKWY STE 2500 HOUSTON, TX 77019 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $195 | $195 | 0.07% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL SERVICE | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | MUTUAL OF OMAHA INSURANCE COMPANY | $12K | $4K | $16K | 14.29% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF NE | 1919 AKSARBEN DR OMAHA, NE 68180 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 636 | $270K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 636 | $270K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $113K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $113K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 315 | $113K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 636 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.