| 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 | $10K | $116 | $10K | 6.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 12.03% |
| SECURITY FIRST BANK3 | PO BOX 3490 RAPID CITY, SD 57709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.70% |
| THOMAS FULLER3 | 1830 BRENT BLVD. LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 1830 BRENT BLVD. LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $116 | $2K | 2.06% |
| ROBERT ELLIS3 | 11261 WRIGHT CIR. OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $210 | $1K | 1.58% |
| KRISTI LYN HOVIE3 Filed as: KRISTI HOVIE | 11261 WRIGHT CIR. OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | $228 | $1K | 1.21% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 2145 MAPLE ST. SIDNEY, NE 69162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $982 | — | $982 | 1.13% |
| BRAD KEARNEY3 | 5016 N. 140TH ST. OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $2 | $421 | 0.48% |
| JERRY A EDGAR3 Filed as: JERRY EDGAR | 7021 S 38TH ST LINCOLM, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $8 | $290 | 0.33% |
| JENNIFER L HAVLOVICK3 Filed as: JENNIFER HAVLOVICK | 4920 PLEASANT ST. WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $1 | $173 | 0.20% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR. GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 0.16% |
| KIMBERLY LEWIS3 | 13911 JOSEPHINE ST. OMAHA, NE 68138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| CRISS BUTLER3 | 4924 EASTRIDGE DR. OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR. WES DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.01% |
| JERRI J GREGORY3 Filed as: JERRI GREGORY | 791 NW 43RD AVE. DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 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 | 4.90% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $169K |
| Vision | VISION SERVICE PLAN | 181 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 234 | $106K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 234 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 234 | $106K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 234 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.