| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 2.99% |
| LOCKTON COMPANIES, LLC3 | 1015 NORTH 98TH STREET, SUITE 101 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.07% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $2K | $20K | 10.13% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $2K | $18K | 9.16% |
| TMB ENTERPRISES INC3 Filed as: TMB ENTERPRISES INC. | 1307 EAST 31ST KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.33% |
| MARTIN J URBANSKI3 Filed as: MARTIN J. URBANSKI | 2809 STATE STREET GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.03% |
| ROBERT LEE SHERRICK3 | 9635 CAMDEN AVENUE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $5K | 2.69% |
| THE STINGRAY GROUP INC3 | 7324 RICHARDS DRIVE SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HWY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $978 | $52 | $1K | 0.53% |
| NIKOLE R WULFF3 | 3329 12TH AVENUE COUNCIL BLUFFS, IA 51501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | $291 | $997 | 0.51% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $650 | $852 | 0.44% |
| KRISTINE WEBER3 | 14735 BLACK STREET BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $842 | — | $842 | 0.43% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN M JONES | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $617 | $221 | $838 | 0.43% |
| JEFFERY ALLEN SCHILOUSKY3 | 1123 6TH STREET SAINT PAUL, NE 68873 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $650 | $79 | $729 | 0.37% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD STREET MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $698 | $30 | $728 | 0.37% |
| TODD M COLVIN3 | 1224A GLEN MOR DRIVE SHOREWOOD, IL 60404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | — | $708 | 0.36% |
| WILLIAM J HOWERY3 | 12669 ORCHARD AVENUE OMAHA, NE 68137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $426 | $657 | 0.34% |
| BARBARA MARIE MCDONALD3 | 1630 TIMBER COURT SE CEDAR RAPIDS, IA 52403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $276 | $599 | 0.31% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $148 | $573 | 0.29% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $558 | $2 | $560 | 0.29% |
| DALE PHILLIPS3 Filed as: DALE R. PHILLIPS | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | $57 | $337 | 0.17% |
| JAMIE FREDRICKSON3 | 10212 ROSEWATER PARKWAY BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.13% |
| DUSTIN LEE CLAIR3 | 306 NORWICK ROAD SW CEDAR RAPIDS, IA 52404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $143 | $254 | 0.13% |
| DENNIS EUGENE WALTERS3 | 1680 9TH STREET MARION, IA 52302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $147 | $203 | 0.10% |
| RENEE SUE SCHEUERLEIN3 | 4185 RICHLAND DRIVE NW CEDAR RAPIDS, IA 52405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $40 | $200 | 0.10% |
| KIMBERLY A BENESH3 | 236 N MAIN AVENUE ALBURNETT, IA 52202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.08% |
| TRAVIS J PAYNE3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $54 | $110 | 0.06% |
| RON BOWLING3 | 8575 W. 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $40 | $103 | 0.05% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $22 | $85 | 0.04% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $7 | $51 | 0.03% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| CYNTHIA J THOMAS3 | 212 N 16TH STREET CLARINDA, IA 51632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| CRISS BUTLER3 | 4924 EASTRIDGE DRIVE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | 0.01% |
| CHRISTOPHER JAMES BINNS3 | 718 PACIFIC STREET WALNUT, IA 51577 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| BRENDA ELIZABETH GRUND3 | 14669 MEREDITH AVENUE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $15 | $18 | 0.01% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| DONALD L. GRAHAM3 | 114A WEST WASHINGTON CLARINDA, IA 51632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 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% |
| MICHAEL BLOCK3 | 16619 S. PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| DAVID TODD WEINSTEIN3 | 601 W JACKSON BLVD, UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $57 | $4K | 3.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.48% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $3K | — | $3K | 9.20% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.97% |
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 | 612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 432 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $106K |
| Vision | EYEMED VISION CARE | 354 | $29K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 612 | $206K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 612 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.