| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $176K | $255K | $431K | 9.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $409K | $0 | $409K | 14.28% |
| ALKEME INSURANCE SERVICES INC3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $407K | $0 | $407K | 14.20% |
| SHAWN J KELLER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.10% |
| DOUG KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.00% |
| RALPH H KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC EIN 47-0095156 THIRD PARTY SVC PROV | Contract Administrator Service code 13 | — | $2.6M |
| MAXCARE LLC EIN 47-1448249 THIRD PARTY SVC PROV | Contract Administrator Service code 13 | — | $560K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 THIRD PARTY SVC PROV | Contract Administrator Service code 13 | — | $297K |
| FORVIS MAZARS, LLP EIN 44-0160260 AUDIT SVC | Accounting (including auditing) Service code 10 | — | $29K |
| HUB INTERNATIONAL GREAT PLAINS, LLC EIN 47-0813106 THIRD PARTY SVC PROV | Consulting (general) Service code 16 | — | $0 |
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 | 6,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,155 | $7.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,155 | $4.6M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,155 | $4.6M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 4,761 | $2.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,155 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,155 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.