| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP, LLC | 14010 FNB PKWY, STE 300 OMAHA, NE 681545235 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.41% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $269 | $6K | 17.45% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $179 | $3K | 15.30% |
| STEC INSURANCE AGENCY INC.3 | 3706 C AVE KEARNEY, NE 688478167 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 9.91% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, JOSEPH, W. | 1502 N METCALF RD LOUISBURG, KS 660533592 | AMERITAS LIFE INSURANCE CORP. | $166 | — | $166 | 1.32% |
| ARMSTRONG, WILLIAM, KIRK3 | 707 S 201ST AVE ELKHORN, NE 680221871 | AMERITAS LIFE INSURANCE CORP. | $83 | — | $83 | 0.66% |
| KUCERA, CARL, MATT3 | 1750 N 177TH PLZ OMAHA, NE 681186035 | AMERITAS LIFE INSURANCE CORP. | $37 | — | $37 | 0.29% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $81 | $1K | 11.76% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $790 | $59 | $849 | 11.70% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $80K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 136 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $22K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.