| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $99 | $9K | 5.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $12K | $634 | $12K | 11.72% |
| THOMAS FULLER3 | 1830 BRENT BLVD. LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $537 | $4K | 4.74% |
| SECURITY FIRST BANK3 | PO BOX 3490 RAPID CITY, SD 57709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.24% |
| ROBERT ELLIS3 | 11261 WRIGHT CIR. OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $155 | $1K | 1.31% |
| JENNIFER L HAVLOVICK3 Filed as: JENNIFER HAVLOVICK | 4920 PLEASANT ST. WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $87 | $1K | 1.26% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 2145 MAPLE ST. SIDNEY, NE 69162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | — | $767 | 0.84% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR. GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | $81 | $637 | 0.70% |
| KRISTI LYN HOVIE3 Filed as: KRISTI HOVIE | 11261 WRIGHT CIR. OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $7 | $417 | 0.46% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR. WES DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $94 | $174 | 0.19% |
| JERRI J GREGORY3 Filed as: JERRI GREGORY | 791 NW 43RD AVE. DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $60 | $140 | 0.15% |
| BRAD KEARNEY3 | 5016 N. 140TH ST. OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $5 | $86 | 0.09% |
| KIMBERLY LEWIS3 | 13911 JOSEPHINE ST. OMAHA, NE 68138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 1830 BRENT BLVD. LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $7 | $58 | 0.06% |
| CRISS BUTLER3 | 4924 EASTRIDGE DR. OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| TMB ENTERPRISES INC3 | 1307 E. 31ST KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MIKE BROOMFIELD3 | 1 PRAIRIE RD. MCCOOK, NE 69001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PAUL STEC3 | 3706 C AVE. KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 4.91% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $168K |
| Vision | VISION SERVICE PLAN | 179 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 233 | $106K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $106K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 233 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.