National Indemnity Company
Updated Filing received by DOL
National Indemnity Company, a finance & insurance employer in Omaha, Nebraska, reported 1,914 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $32M in insurance premiums across 4 contracts and $199,851 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 30, 2026, before the deadline.
Who was paid on National Indemnity Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract National Indemnity Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Custom Benefit Programs Inc · Somerset, NJ | $157,749 | $892 | $158,641 | 3 |
| Swartzbaugh-Farber & Associates, in · Omaha, NE | $0 | $38,845 | $38,845 | 1 |
| Aon · Chicago, IL | $0 | $2,365 | $2,365 | 6 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Bluecross Blueshield of Nebraskahealth, prescription drug, PPO | 3,316 | $32M | $38,845 | 0.1% |
| Metropolitan Life Insurance Companyhealth | 335 | — | $64,469 | — |
| Metropolitan Life Insurance Companyhealth | 390 | — | $37,886 | — |
| Metropolitan Life Insurance Companyhealth | 291 | — | $58,651 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How National Indemnity Company compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $9,530 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 1,679 | 1,914 | +14.0% |
| Premiums filed | $32,764,977 | $31,599,951 | not comparable |
| Broker commissions + fees | $49,242 | $199,851 | +305.9% |
| Commission rate | 0.1% | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Group Insurance Plan#501 · insurance, general assets | December 31, 2025 | July 30, 2026 | before deadline | 1,914 |
| Flex Choice Plan (formerly Employee Insurance Premium Plan)#510 · general assets | December 31, 2025 | July 30, 2026 | before deadline | 599 |
| Group Supplemental Health Plans#514 · insurance | December 31, 2025 | July 30, 2026 | before deadline | 412 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did National Indemnity Company pay in health insurance broker commissions in 2025?
National Indemnity Company's 2025 Form 5500 reports $199,851 in broker commissions and fees across 4 insurance contracts ($157,749 in commissions, $42,102 in fees), with Custom Benefit Programs Inc receiving the largest share.
Is National Indemnity Company's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Bluecross Blueshield of Nebraska, Metropolitan Life Insurance Company.
How does National Indemnity Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for National Indemnity Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.