| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $3K | $63K | 3.15% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $11K | $27K | 15.84% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 8.94% |
| TMB ENTERPRISES INC3 Filed as: TMB ENTERPRISES INC. | 1307 EAST 31ST KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.46% |
| MARTIN J URBANSKI3 Filed as: MARTIN J. URBANSKI | 2809 STATE STREET GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 2.55% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $541 | $2K | 1.06% |
| TODD M COLVIN3 | 1224A GLEN MOR DRIVE SHOREWOOD, IL 60404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $779 | $906 | $2K | 1.01% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HWY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $98 | $1K | 0.68% |
| THE STINGRAY GROUP INC3 | 7324 RICHARDS DRIVE SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.65% |
| DUSTIN LEE CLAIR3 | 306 NORWICK ROAD SW CEDAR RAPIDS, IA 52404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | $579 | $1K | 0.63% |
| JAMIE FREDRICKSON3 | 10212 ROSEWATER PARKWAY BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $643 | $310 | $953 | 0.57% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $706 | $869 | 0.52% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD STREET MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $808 | — | $808 | 0.48% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN M JONES | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $721 | — | $721 | 0.43% |
| CHRISTOPHER JAMES BINNS3 | 718 PACIFIC STREET WALNUT, IA 51577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $176 | $378 | 0.23% |
| KRISTINE WEBER3 | 14735 BLACK STREET BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $181 | $362 | 0.22% |
| DALE PHILLIPS3 Filed as: DALE R. PHILLIPS | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $38 | $326 | 0.19% |
| CARRIE ANNE SWINARSKI-BAIER3 | 5912 PIERCE STREET OMAHA, NE 68106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.12% |
| JANE M HANER3 Filed as: JANE MICHELE HANER | 2521 130TH STREET MOORHEAD, IA 51558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.10% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $53 | $170 | 0.10% |
| DENNIS EUGENE WALTERS3 | 1680 9TH STREET MARION, IA 52302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $92 | $164 | 0.10% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $85 | $154 | 0.09% |
| DONALD L. GRAHAM3 | 114A WEST WASHINGTON CLARINDA, IA 51632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.09% |
| RON BOWLING3 | 8575 W. 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $69 | $137 | 0.08% |
| CRISS BUTLER3 | 4924 EASTRIDGE DRIVE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $29 | $81 | 0.05% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.05% |
| GREGGORY LYNN HOLLIDAY3 | 1131 SAGEWOOD AVENUE GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.04% |
| ROBERT T MADEJ3 Filed as: ROBERT T. MADEJ | 2923 LYNNWOOD DRIVE BELLEVUE, NE 68123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.03% |
| CYNTHIA J THOMAS3 | 212 N 16TH STREET CLARINDA, IA 51632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $10 | $38 | 0.02% |
| TERRELL R BUTLER3 | 5721 SPAULDING STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $6 | $30 | 0.02% |
| MINTON FINANCIAL INC.3 | 4759 S. 177TH STREET OMAHA, NE 68135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| NICKOLAS BRADLEY SCHULTZE3 | 2618 N. 110TH CT. OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| MAMIE A STILES3 Filed as: MAMIE A. STILES | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DALE T BUTLER3 | 15234 REEDS STREET OVERLAND PARK, KS 66223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $52 | $5K | 5.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $2K | — | $2K | 8.99% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.59% |
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 | 591 | 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) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 581 | $91K |
| Vision | EYEMED VISION CARE | 301 | $22K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 591 | $178K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 591 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.