| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICE | 7415 WEST 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 10.15% |
| CHAD HARMS3 Filed as: CHAD HARMS INC | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $717 | $55 | $772 | 7.43% |
| MJ INSURANCE3 Filed as: ALAN DEAN COVER AND VARIOUS AGENTS | 2803 WEST 48TH STREET KEARNEY, NE 68845 | AFLAC | $401 | $0 | $401 | 3.86% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $152 | $0 | $152 | 1.46% |
| GLENN E. SCHWAB3 Filed as: GLENN E SCHWAB | 1620 NORTH 17TH STREET BEATRICE, NE 68310 | AFLAC | $128 | $0 | $128 | 1.23% |
| RONALD E WEISS3 | BOX 203 BEATRICE, NE 68310 | AFLAC | $107 | $0 | $107 | 1.03% |
| THE WICHMANN GROUP INC3 | 2725 SOUTH MOORLAND ROAD SUITE 301 NEW BERLIN, WI 53151 | AFLAC | $64 | $15 | $79 | 0.76% |
| BUTZKE INSURANCE INC3 | 1511 448TH UTICA, NE 68456 | AFLAC | $56 | $0 | $56 | 0.54% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 608 | $33K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 422 | $155K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 422 | $155K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 550 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
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.