| 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 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 4.66% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 4.12% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | PO BOX 45279 OMAHA, NE 681450279 | AMERITAS LIFE INSURANCE CORP | — | $1K | $1K | 0.96% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.94% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.09% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 10.05% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.61% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $227 | $227 | 0.58% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 0.49% |
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 | 1,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 2,345 | $151K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,615 | $266K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $85K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,615 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,345 | — |
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.