| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $0 | $15K | $15K | 0.61% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.03% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 NORTH 203RD STREET, SUITE 200 ELKHORN, NE 68022 | METROPOLITAN LIFE INSURANCE COMPANY | $317 | $0 | $317 | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $107 | $107 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN LINCOLN, NE 68510 | ASSURITY LIFE INSURANCE COMPANY | $425 | $0 | $425 | 16.18% |
| UNICO GROUP INC3 Filed as: UNICO GROUP, INC. | UNKNOWN LINCOLN, NE 68510 | ASSURITY LIFE INSURANCE COMPANY | $141 | $0 | $141 | 5.37% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 156 | $2.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $294K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 526 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $294K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $294K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $294K |
| Prescription drug | MEDICA INSURANCE COMPANY | 156 | $2.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.