| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID-AMERICA INSURANCE SERVICES3 Filed as: VHA MID AMERICA INSURANCE SERVICES | 7415 WEST 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $17K | $6K | $22K | 13.36% |
| CHAD HARMS3 Filed as: CHAD HARMS, INC. | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $573 | $46 | $619 | 8.44% |
| MJ INSURANCE3 Filed as: ALAN DEAN COVER AND VARIOUS AGENTS | 2803 WEST 48TH STREET KEARNEY, NE 68845 | AFLAC | $279 | $19 | $298 | 4.06% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $189 | — | $189 | 2.58% |
| J A BELLOWS ENTERPRISES INC3 Filed as: J.A. BELLOWS ENTERPRISES, INC. | PO BOX 549 YORK, NE 68467 | AFLAC | $107 | $9 | $116 | 1.58% |
| GLENN E. SCHWAB3 | 1620 NORTH 17TH STREET BEATRICE, NE 68310 | AFLAC | $89 | — | $89 | 1.21% |
| RONALD E WEISS3 Filed as: RONALD E. WEISS | PO BOX 203 BEATRICE, NE 68310 | AFLAC | $67 | — | $67 | 0.91% |
| JANICE A ROBINSON3 Filed as: JANICE A. ROBINSON | 11405 ASPEN CREEK DRIVE FORT WORTH, TX 76244 | AFLAC | $32 | — | $32 | 0.44% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 411 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 391 | $167K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 391 | $167K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 505 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.