| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID AMERICAN GROUP, INC.3 Filed as: MID-AMERICAN BENEFITS, INC. | 5310 NORTH 99TH ST, SUITE 1 OMAHA, NE 68134 | AIG BENEFIT SOLUTIONS | $4K | — | $4K | 10.00% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $2K | — | $2K | 7.71% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $489 | — | $489 | 2.30% |
| UNICO GROUP INC3 Filed as: UNICO GROUP INC. | 4435 O ST STE 200 LINCOLN, NE 68510 | ALLSTATE | $468 | — | $468 | 2.20% |
| JOANN R MEYER3 Filed as: JOANN R. MEYER | PO BOX 540874 OMAHA, NE 68154 | ALLSTATE | $5 | — | $5 | 0.02% |
| MID AMERICAN INSURANCE GROUP3 Filed as: MID-AMERICAN INSURANCE GROUP | 5310 N 99TH ST STE 1 OMAHA, NE 68134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MID-AMERICAN BENEFITS INC EIN 47-0769922 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 5310 NORTH 99TH ST SUITE 1 OMAHA, NE 68134 | $35K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | $16K |
| MIDLANDS CHOICE EIN 47-0804331 PPO | Claims processing Service code 12 | PO BOX 5809 TROY, MI 48007 | $10K |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 172 | $207K |
| Dental | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 172 | $185K |
| Life insurance(3 contracts, 3 carriers) | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 172 | $217K |
| Prescription drug | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 172 | $185K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 172 | $185K |
| Other | AIG BENEFIT SOLUTIONS | 172 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.