| 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 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $6K | $18K | 5.53% |
| ACTURAIAL CONSULTING SERVICES, INC.3 | 5830 SOUTH 142ND STREET, SUITE B OMAHA, NE 68137 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $95 | $13K | 4.08% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 1.99% |
| LARRY DEAVER3 Filed as: LARRY D. DEAVER | 5719 NO 167TH AVENUE CIRCLE OMAHA, NE 68116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, NE 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $0 | $8K | 10.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $65 | $65 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10050 REGENCY CIRCLE STE 300 OMAHA, NE 68114 | HARTFORD FIRE INSURANCE COMPANY | $0 | $149 | $149 | 1.50% |
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 | 1,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 851 | $287K |
| Long-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 126 | $321K |
| Other(3 contracts, 3 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 1,293 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,293 | — |
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.