| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $88K | — | $88K | 2.49% |
| LOCKTON COMPANIES, LLC3 | 1015 N. 98TH STREET, SUITE 101 OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $214 | $21K | 7.95% |
| GRUND BENEFIT ADVISORS LLC3 | 14669 MEREDITH AVENUE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 4.95% |
| JAMES D RUSK3 | 4615 COUNTY ROAD LJ TEKAMAH, NE 68061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 3.01% |
| TMB ENTERPRISES INC3 Filed as: TMB ENTERPRISES INC. | 18890 56TH ROAD KEARNEY, NE 68845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 2.99% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 2.62% |
| MARTIN J URBANSKI3 | 2809 STATE STREET GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $364 | $5K | 1.70% |
| THE STINGRAY GROUP INC3 | 7324 RICHARDS DRIVE SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $7 | $2K | 0.93% |
| JACQUELINE KUTILEK3 | 9512 VALLEY STREET OMAHA, NE 68124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.44% |
| ERIN FINNIGSMIER3 | 16904 I STREET OMAHA, NE 68135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $839 | — | $839 | 0.31% |
| JASON DENNIS HOSEK3 | 1616 BRECA RIDGE DRIVE ANAMOSA, IA 52205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | — | $647 | 0.24% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HWY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | — | $564 | 0.21% |
| CHERYL SHERRICK | 9635 CAMDEN AVENUE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $109 | $560 | 0.21% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CHAVEZ | 1661 VALLEY FORGE CT WHEATON, IL 60189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | — | $526 | 0.20% |
| JOHN T POKRZYWINSKI3 Filed as: JOHN THOMAS POKRYWINSKI | 1505 FENDER ROAD NAPERVILLE, IL 60565 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.18% |
| ROBERT LEE SHERRICK3 | 9635 CAMDEN AVENUE OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $257 | $454 | 0.17% |
| GARY WAYNE HARTLEY3 | PO BOX 35 HEBRON, NE 68370 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $72 | $447 | 0.17% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD STREET MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | — | $397 | 0.15% |
| KEVIN MURPHY3 Filed as: KEVIN ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 0.11% |
| TRAVIS J PAYNE3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $1 | $295 | 0.11% |
| RON BOWLING3 | 8575 W. 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $96 | $251 | 0.09% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK JOLIET, IL 60435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $119 | $222 | 0.08% |
| DPHILLIPS INS LLC3 | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $4 | $199 | 0.07% |
| NIKOLE R WULFF3 | PO BOX 3193 OMAHA, NE 68103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.06% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $1 | $156 | 0.06% |
| ANNALISA J FUNK3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.05% |
| BARBARA MARIE MCDONALD3 | 1630 TIMBER COURT SE CEDAR RAPIDS, IA 52403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $54 | $131 | 0.05% |
| DUSTIN LEE CLAIR3 | 4814 M AVE NW CEDAR RAPIDS, IA 52405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $66 | $121 | 0.05% |
| SARA M RUSK3 | 4615 COUNTY ROAD LJ TEKAMAH, NE 68061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $64 | $84 | 0.03% |
| WILLIAM J HOWERY3 | 12669 ORCHARD AVENUE OMAHA, NE 68137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $8 | $79 | 0.03% |
| JOHN THOMAS DUNBAR3 | 11420 BLONDO STREET OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.03% |
| ANITA DARLENE POWERS3 | PO BOX 237 GRAND ISLAND, NE 68802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.02% |
| KIMBERLY A BENESH3 | 236 N MAIN AVENUE ALBURNETT, IA 52202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $1 | $54 | 0.02% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.01% |
| STEPHAN FAHRLANDER3 | 7119 S 86TH STREET LA VISTA, NE 68128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| MARCOTTE INSURANCE AGENCY INC3 | 9394 WEST DODGE ROAD OMAHA, NE 68114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| JCASTELLANOS AND ASSOCIATES INC3 | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| ROBERTA DICKINSON3 Filed as: ROBERTA J BAKKEN | 8012 W CORNING ROAD PEOTONE, IL 60468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| ROBERT E ELLIS3 Filed as: ROBERT E. ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| MA STILES LLC3 | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVENUE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHAEL BLOCK3 | 16619 S PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JILL R LAMBERT3 | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 13710 FNB PARKWAY, SUITE 400 OMAHA, NE 68154 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $73 | $6K | 3.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $2K | — | $2K | 4.24% |
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 | 1,237 | 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) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 589 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,237 | $172K |
| Vision | VISION SERVICE PLAN | 325 | $37K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,237 | $440K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,237 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.