| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID AMERICAN INSURANCE GROUP3 Filed as: MID-AMERICAN INSURANCE GROUP, LLC | 5310 N 99TH STREET, SUITE 1 OMAHA, NE 68134 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | ALLSTATE | $2K | — | $2K | 11.81% |
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | ALLSTATE | $289 | — | $289 | 1.74% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $180 | — | $180 | 1.08% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | ALLSTATE | $5 | — | $5 | 0.03% |
| MID AMERICAN GROUP, INC.3 Filed as: MID-AMERICAN BENEFITS INC | 5310 N 99TH ST, SUITE 1 OMAHA, NE 68134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.23% |
| 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 | $38K |
| PATRIOT GROWTH INSURANCE SERVICES EIN 83-1204744 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | $34K |
| MIDLANDS CHOICE EIN 47-0804331 PPO | Claims processing Service code 12 | PO BOX 5809 TROY, MI 48007 | $9K |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH | 142 | $553K |
| Dental | BERKLEY LIFE AND HEALTH | 142 | $536K |
| Life insurance(3 contracts, 3 carriers) | BERKLEY LIFE AND HEALTH | 142 | $561K |
| Prescription drug | BERKLEY LIFE AND HEALTH | 142 | $536K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH | 142 | $536K |
| Other | HCC LIFE INSURANCE COMPANY | 142 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
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.