| 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 | $95K | $625 | $96K | 2.77% |
| PREFERRED MARKETING ASSOCIATES3 | 3530 N 163RD PLZ OMAHA, NE 68116 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $40K | $5K | $45K | 1.30% |
| NEBRASKA BANKERS INS & SRVCS Filed as: NEBRASKA TRUCKING ASSOCIATION | 1701 K STREET LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $35K | $35K | 1.02% |
| UNICO GROUP INC Filed as: UNICO GROUP, INC. | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $18K | $5K | $23K | 0.66% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $8K | $2K | $10K | 0.30% |
| DODGE PARTNERS INSURANCE3 Filed as: DODGE PARTNERS INSURANCE, LLC | 8701 WEST DODGE RD #100 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $10K | — | $10K | 0.29% |
| 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 | $6K | — | $6K | 0.17% |
| NGS INC3 Filed as: NGS, INC. | 76020 PACIFIC ST. SUITE LL100 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $6K | — | $6K | 0.16% |
| FARM BUREAU PROPERTY AND CASUALTY Filed as: FARM BUREAU PROPERTY & CASUALTY INS | 5400 UNIVERSITY AVE WEST DES MOINES, IA 50266 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $3K | $2K | $5K | 0.15% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC. | 304 SOUTH ELDORADO STE1 BLOOMINGTON, IL 61704 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $870 | — | $870 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. OMA | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $810 | — | $810 | 0.02% |
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 | 292 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 292 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.