| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OS1 COMMISSION3 | — | UNIMERICA INSURANCE COMPANY | — | $39K | $39K | 5.92% |
| OUTSOURCE ONE3 | — | UNIMERICA INSURANCE COMPANY | $23K | — | $23K | 3.58% |
| KRULL AGENCY INC3 Filed as: KRULL AGENCY INC. | 2837 W HIGHWAY 6 STE 203 HASTINGS, NE 68901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1125 17TH ST, STE 400 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1125 17TH ST, STE 400 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $266 | — | $266 | 1.34% |
| KRULL AGENCY INC3 Filed as: KRULL AGENCY INC. | 2837 W HIGHWAY 6 STE 203 HASTINGS, NE 68901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.62% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1125 17TH ST, STE 400 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $577 | $577 | 6.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1125 17TH ST, STE 400 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGIONAL CARE, INC. EIN 47-0760050 TPA | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $41K |
| KRULL AGENCY INC. EIN 47-0777401 BROKER | Insurance agents and brokers Service code 22 | 2835 W HIGHWAY 6 HASTINGS, NE 68901 | $36K |
| PARTNERS HEALTH ALLIANCE LLC EIN 47-2739227 INSURANCE SERVICES | Insurance services Service code 23 | 106 WEST 3RD ST PO BOX 488 MCCOOK, NE 69001 | $22K |
| WILCOX FINANCIAL SERVICES INC. EIN 91-1858491 BROKER | Insurance agents and brokers Service code 22 | 106 WEST 3RD ST PO BOX 26 MCCOOK, NE 69001 | $10K |
| AMERITAS EIN 47-0098400 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $7K |
| MULTI PLAN INC. EIN 13-3068979 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 29380 NEW YORK CITY, NY 10087 | $6K |
| MEDWATCH, LLC EIN 16-1662117 INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 21796 TAMPA, FL 33630 | $5K |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Dental | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Vision | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Life insurance(3 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 110 | $679K |
| Short-term disability(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 110 | $659K |
| Long-term disability | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Prescription drug | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Other | UNIMERICA INSURANCE COMPANY | 110 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.