| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE STE 100 OMAHA, NE 68154 | MEDICA INSURANCE COMPANY | $22K | $518 | $22K | 1.60% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS AND FINANCIAL SERVICES | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | MEDICA INSURANCE COMPANY | $15K | $4K | $19K | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE STE 100 OMAHA, NE 68154 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.32% |
| ELLERBROCK-NORRIS FINL3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.76% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS AND FINANCIAL SERVICES | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$1 | -$1 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 23.46% |
| ELLERBROCK-NORRIS FINL3 | PO BOX 816 HASTINGS, NE 68902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.08% |
| PAPE DANE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 21.85% |
| ELLERBROCK-NORRIS FINL3 | PO BOX 816 HASTINGS, NE 68902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
| PAPE ALAN3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| PAPE DANE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| NEBRASKA METHODIST HEALTH SYSTEM5 | 825 S 169TH ST OMAHA, NE 68118 | NEBRASKA METHODIST HEALTH SYSTEM D/B/A BESTCARE EAP | $0 | $5K | $5K | — |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 80 | $1.4M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $109K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $109K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $109K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 185 | $109K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 132 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.