| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| FINANCIAL MANAGEMENT, INC.3 Filed as: FINANCIAL MANAGEMENT INC | 1919 S 40TH STREET SUITE 318 LINCOLN, NE 68506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 20.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | BLUECROSS BLUESHIELD NEBRASKA | $114K | — | $114K | 45.37% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.72% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.54% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.76% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.67% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | — | $379 | 0.25% |
| MCKINNEY AMY L3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.07% |
| FLICKINGER WILLIAM F3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.07% |
| WINTERS SHELLEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | UNITED HEALTHCARE INSURANCE COMPANY | $987 | — | $987 | 1.54% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENEFIT GROUP, INC. EIN 47-0720154 N/A | Other services Service code 49 | 11924 ARBOR STREET, STE 200 OMAHA, NE 68144 | $34K |
| NOVANET EIN 58-2106226 N/A | Other services Service code 49 | 3500 PARKWAY LANE, SUITE 400 NORCROSS, GA 30092 | $6K |
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 | 506 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD NEBRASKA | 987 | $315K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 987 | $64K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 987 | $124K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $288K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $288K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 400 | $659K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 987 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 987 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.