| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $2K | $27K | 16.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP | $16K | $0 | $16K | 10.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP | $0 | $4K | $4K | 2.57% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 18.28% |
| DEVAN D. KENNINGTON3 | 2051 NORTH 156TH STREET SUITE 5 OMAHA, NE 68116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.55% |
| ALKEME INSURANCE SERVICES INC3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $539 | $0 | $539 | 0.82% |
| GROUP MARKETING SERVICES INC3 | 3421 NORTH 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.10% |
| ANTHONY C BUECHLER3 Filed as: ANTHONY C. BUECHLER | 13811 SOUTH 50TH STREET PAPILLION, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.07% |
| JPR FINANCIAL LLC3 | 8104 SOUTH 96TH STREET, SUITE 2 LA VISTA, NE 68128 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 594 | $151K |
| Vision | AMERITAS LIFE INSURANCE CORP | 594 | $151K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $161K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $161K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.