| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68116 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRLCE SUITE 300 OMAHA, NE 68114 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 1.26% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS, INC. | 4910 DODGE STREET SUITE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 43.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE SUITE 300 OMAHA, NE 68114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | $0 | $466 | 1.30% |
| COLLYN LEE CURTIS3 | 6940 O STREET SUITE 314 LINCOLN, NE 68510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.77% |
| RICK L CURTIS3 Filed as: RICK L. CURTIS | 6940 O STREET SUITE 314 LINCOLN, NE 68510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.77% |
| BECKY J BROCKMAN3 Filed as: BECKY J. BROCKMAN | 6940 O STREET SUITE 314 LINCOLN, NE 68510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $179 | $0 | $179 | 0.73% |
| TOMMIE DEAN THOMPSON3 | 5900 58TH STREET SUITE R LINCOLN, NE 68516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $179 | $0 | $179 | 0.73% |
| FRANCES POTTER3 | 1540 NORTH COTNER BOULEVARD SUITE 215 LINCOLN, NE 68505 | AFLAC | $80 | $0 | $80 | 2.72% |
| ELIZABETH NEAL3 | 1767 COUNTY ROAD F WAHOO, NE 68066 | AFLAC | $65 | $0 | $65 | 2.21% |
| JANICE ROBINSON3 | 22010 BRIDGESTONE HAWK COURT SPRING, TX 77388 | AFLAC | $56 | $0 | $56 | 1.90% |
| MJ INSURANCE3 Filed as: MICHAEL BOLGER AND VARIOUS AGENTS | 128 WOODLAND DRIVE MADISON, SD 57042 | AFLAC | $48 | $0 | $48 | 1.63% |
| DARREL BICE JR3 Filed as: DARREL BICE, JR. | 1713 1ST AVENUE SCOTTSBLUFF, NE 69361 | AFLAC | $45 | $0 | $45 | 1.53% |
| MICHAEL L BRAUN3 Filed as: MICHAEL BRAUN | 1718 DEVOE DRIVE LINCOLN, NE 68506 | AFLAC | $32 | $0 | $32 | 1.09% |
| KENNETH A OSTERMEIER3 Filed as: KENNETH OSTERMEIER | 215 COLETON DRIVE COPPERAS COVE, TX 76522 | AFLAC | $29 | $0 | $29 | 0.99% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 172 | $135K |
| Vision | UNION SECURITY INSURANCE COMPANY | 172 | $135K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $24K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 99 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.