| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | BLUECROSS BLUESHIELD OF NEBRASKA | $54K | $11K | $64K | 3.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $768 | $8K | 16.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $519 | $6K | 16.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68118 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRV INC | 40 E ALAMAR AVE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | — | $708 | $708 | 3.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $234 | $2K | 16.71% |
| MODERN BENEFITS INC3 | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 2.05% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | — | $174 | 1.38% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING RICHARD WORKSITE BENEFIT SV | 22 INVERNESS CENTER PKW SUITE 100 BIRMINGHAM, AL 35242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.17% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| MODERN BENEFITS INC3 | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 25.57% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.08% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DR SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $852 | — | $852 | 8.48% |
| MODERN BENEFITS INC3 | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $552 | — | $552 | 7.89% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 3.32% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DR SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 1.84% |
| MODERN BENEFITS INC3 | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $618 | — | $618 | 12.80% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 177750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 5.32% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DR SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 3.73% |
| MODERN BENEFITS INC3 | 19705 W 65TH TERRACE SHAWNEE, KS 66218 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 34.12% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $634 | — | $634 | 18.39% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DR SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $426 | — | $426 | 12.36% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 348 | $1.7M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 371 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $39K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.