| 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 | $85K | — | $85K | 4.40% |
| PREFERRED MARKETING ASSOCIATES3 | 3530 N 163RD PLAZA OMAHA, NE 68116 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $69K | — | $69K | 3.58% |
| NEBRASKA BANKERS INS & SRVCS0 Filed as: NEBRASKA TRUCKING ASSOCIATION | 1701 K STREET LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $31K | $31K | 1.59% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $13K | — | $13K | 0.67% |
| MBA AGENCY LLC3 | 109 CORT PLZ GRETNA, NE 68028 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $12K | — | $12K | 0.63% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $8K | — | $8K | 0.41% |
| DODGE PARTNERS INSURANCE3 Filed as: DODGE PARTNERS INSURANCE, LLC | 8701 W DODGE RD #100 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $7K | — | $7K | 0.34% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $6K | — | $6K | 0.29% |
| NGS INC3 Filed as: NGS, INC. | 7602 PACIFIC ST STE L100 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $5K | — | $5K | 0.24% |
| 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 | $3K | — | $3K | 0.16% |
| KRULL AGENCY INC3 Filed as: KRULL INSURANCE AGENCY | 2835 W HWY 6 HASTINGS, NE 68901 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $180 | — | $180 | 0.01% |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 560 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.