| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES STREET, SUITE 202 OMAHA, NE 68130 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $24K | $33 | $24K | 1.18% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD, STE 210 SCOTTSDALE, AZ 85255 | AMERICAN FIDELITY ASSURANCE COMPANY | $19K | — | $19K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 16820 FRANCES STREET, SUITE 202 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORP | $9K | $1K | $10K | 11.27% |
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 501 OFFICE CENTER DR, STE 215 FORT WASHINGTON, PA 19034 | AFLAC | $2K | $0 | $2K | 6.34% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS | 8790 F STREET, STE 204 OMAHA, NE 68127 | AFLAC | $1K | $0 | $1K | 4.36% |
| MJ INSURANCE3 Filed as: KRINGS ENTERPRISES & VARIOUS AGENTS | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $113 | $11 | $124 | 0.42% |
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| VHA MID AMERICA INS SVCS3 | PO BOX 842167 DALLAS, TX 75284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619 | — | $619 | 10.01% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 159 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 233 | $85K |
| Vision | AMERITAS LIFE INSURANCE CORP | 233 | $85K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $26K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 82 | $371K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.