| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | $2K | $64K | 3.06% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $4K | $22K | 14.45% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $1K | $14K | 9.07% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $6K | $12K | 8.27% |
| MARTIN J URBANSKI3 Filed as: MARTIN J. URBANSKI | 2809 STATE STREET GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $10K | 6.33% |
| TMB ENTERPRISES INC3 Filed as: TMB ENTERPRISES INC. | 1307 EAST 31ST KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 4.33% |
| CARRIE ANNE SWINARSKI-BAIER3 | 5912 PIERCE STREET OMAHA, NE 68106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $100 | $2K | 1.27% |
| DALE PHILLIPS3 Filed as: DALE R. PHILLIPS | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $423 | $1K | 0.99% |
| JANE M HANER3 Filed as: JANE MICHELE HANER | 2521 130TH STREET MOORHEAD, IA 51558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| THE STINGRAY GROUP INC3 | 7324 RICHARDS DRIVE SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| GREGGORY LYNN HOLLIDAY3 | 1131 SAGEWOOD AVENUE GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $40 | $309 | 0.20% |
| NICKOLAS BRADLEY SCHULTZE3 | 2618 N. 110TH CT. OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $70 | $212 | 0.14% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $82 | $167 | 0.11% |
| RON BOWLING3 | 8575 W. 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $44 | $129 | 0.09% |
| DONALD L. GRAHAM3 | 114A WEST WASHINGTON CLARINDA, IA 51632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $57 | $66 | 0.04% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE INSURANCE AGENCY | 11422 MIRACLE HILLS DRIVE OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| TERRELL R BUTLER3 | 5721 SPAULDING STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ROBERT T MADEJ3 Filed as: ROBERT T. MADEJ | 2923 LYNNWOOD DRIVE BELLEVUE, NE 68123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| MINTON FINANCIAL INC.3 | 4759 S. 177TH STREET OMAHA, NE 68135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MAMIE A STILES3 Filed as: MAMIE A. STILES | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $43 | $2K | 1.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $399 | $399 | 0.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $2K | — | $2K | 9.87% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITEDHEALTHCARE INSURANCE COMPANY | $828 | — | $828 | 9.19% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $87K |
| Vision | EYEMED VISION CARE | 286 | $24K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 490 | $160K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 490 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.