| 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 | $61K | — | $61K | 18.37% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.63% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | BLUECROSS BLUESHIELD NEBRASKA | $108K | — | $108K | 45.10% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 7.67% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 6.51% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.22% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.98% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 0.20% |
| MCKINNEY AMY L3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.06% |
| FLICKINGER WILLIAM F3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| WINTERS SHELLEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST SUITE 200 OMAHA, NE 68130 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | VISION SERVICE PLAN | $2K | — | $2K | 3.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENEFIT GROUP, INC. EIN 47-0720154 N/A | Contract Administrator Service code 13 | 11924 ARBOR STREET, STE 200 OMAHA, NE 68144 | $35K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $12K |
| 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 | 509 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD NEBRASKA | 953 | $305K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 953 | $65K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 953 | $126K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $330K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $330K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 396 | $613K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 953 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.