| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN OMAHA, NE 68118 | BLUECROSS BLUESHIELD OF NEBRASKA | $72K | $28K | $100K | 4.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $26K | 17.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | $0 | $411 | $411 | 1.07% |
| MY BENEFITS HELP INC3 | 5114 POINT FOSDICK DRIVE, SUITE F41 GIG HARBOR, WA 98335 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.29% |
| GREGG YOUNG INSURANCE SERVICES3 | 17750 BURT STREET OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.52% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 0.40% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS. LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.21% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 480 | $2.3M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 552 | $38K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $147K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $147K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $147K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEBRASKA | 480 | $2.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
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.