| 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 | $13K | $8K | $22K | 16.19% |
| CHAD HARMS3 Filed as: CHAD HARMS INC. | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $3K | $66 | $3K | 19.22% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER INC & OTHER AGENTS | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $337 | $0 | $337 | 2.36% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | PO BOX 549 YORK, NE 68467 | AFLAC | $137 | $0 | $137 | 0.96% |
| UNIFIED EMPLOYEE BENEFITS3 | 4435 O STREET LINCOLN, NE 68510 | AFLAC | $93 | $0 | $93 | 0.65% |
| GLENN E. SCHWAB3 | 1620 NORTH 17TH STREET BEATRICE, NE 68310 | AFLAC | $79 | $0 | $79 | 0.55% |
| RONALD E WEISS3 Filed as: RONALD E. WEISS | PO BOX 203 BEATRICE, NE 68310 | AFLAC | $72 | $0 | $72 | 0.51% |
| MITCHELL M ALLNER3 Filed as: MITCHELL A. ALLNER | 8600 EXECUTIVE WOODS DRIVE LINCOLN, NE 68512 | AFLAC | $40 | $0 | $40 | 0.28% |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 673 | $34K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 464 | $134K |
| Short-term disability | AFLAC | 22 | $14K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 464 | $134K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 580 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.