| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | $3K | $88K | 3.04% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 9.20% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $696 | $22K | 8.67% |
| TMB ENTERPRISES INC3 Filed as: TMB ENTERPRISES INC. | 18890 56TH ROAD KEARNEY, NE 68845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 3.59% |
| MARTIN J URBANSKI3 Filed as: MARTIN J. URBANSKI | 2809 STATE STREET GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 3.34% |
| GARY WAYNE HARTLEY3 | PO BOX 35 HEBRON, NE 68370 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.11% |
| CHERYL SHERRICK | 9635 CAMDEN AVENUE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $869 | $3K | 1.02% |
| TRAVIS J PAYNE3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $432 | $2K | 0.99% |
| GRUND BENEFIT ADVISORS LLC3 | 14669 MEREDITH AVENUE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $453 | $2K | 0.92% |
| ROBERT LEE SHERRICK3 | 9635 CAMDEN AVENUE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $1K | $2K | 0.71% |
| THE STINGRAY GROUP INC3 | 7324 RICHARDS DRIVE SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| NIKOLE R WULFF3 | PO BOX 3193 OMAHA, NE 68103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| WILLIAM J HOWERY3 | 12669 ORCHARD AVENUE OMAHA, NE 68137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $322 | $505 | 0.20% |
| JOHN THOMAS DUNBAR3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | — | $462 | 0.19% |
| ANITA DARLENE POWERS3 | 1904 FREEDOM DRIVE GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $130 | $459 | 0.18% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | — | $436 | 0.17% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HWY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $6 | $271 | 0.11% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $87 | $200 | 0.08% |
| RON BOWLING3 | 8575 W. 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $85 | $198 | 0.08% |
| STEPHAN FAHRLANDER3 | 7119 S 86TH STREET LA VISTA, NE 68128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.07% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $11 | $134 | 0.05% |
| DPHILLIPS INS LLC3 | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $4 | $125 | 0.05% |
| BARBARA MARIE MCDONALD3 | 1630 TIMBER COURT SE CEDAR RAPIDS, IA 52403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $22 | $106 | 0.04% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD STREET MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.04% |
| JEFFERY ALLEN SCHILOUSKY3 | 1123 6TH STREET SAINT PAUL, NE 68873 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.04% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN M JONES | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.03% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| RENEE SUE SCHEUERLEIN3 | 4185 RICHLAND DRIVE NW CEDAR RAPIDS, IA 52405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| KIMBERLY A BENESH3 | 236 N MAIN AVENUE ALBURNETT, IA 52202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.01% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $15 | $26 | 0.01% |
| DUSTIN LEE CLAIR3 | 306 NORWICK ROAD SW CEDAR RAPIDS, IA 52404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $10 | $24 | 0.01% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| DENNIS EUGENE WALTERS3 | 1680 9TH STREET MARION, IA 52302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 0.01% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MA STILES LLC3 | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MAMIE A STILES3 Filed as: MAMIE A. STILES | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DALE T BUTLER3 | 15234 REEDS STREET OVERLAND PARK, KS 66223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $95 | $4K | 3.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $3K | — | $3K | 9.83% |
| LOCKTON COMPANIES, LLC3 | 1015 N 98TH STREET, SUITE 101 OMAHA, NE 68114 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $135K |
| Vision | EYEMED VISION CARE | 459 | $35K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 704 | $261K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 704 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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.