| 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 | 6.91% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 13.07% |
| STEC INSURANCE AGENCY INC.3 | 3706 C AVE KEARNEY, NE 688478167 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 9.92% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, JOSEPH, W. | 1502 N METCALF RD LOUISBURG, KS 660533592 | AMERITAS LIFE INSURANCE CORP. | $172 | — | $172 | 1.11% |
| ARMSTRONG, WILLIAM, KIRK3 | 707 S 201ST AVE ELKHORN, NE 680221871 | AMERITAS LIFE INSURANCE CORP. | $86 | — | $86 | 0.55% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 258 | $71K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 129 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 133 | $57K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $57K |
| Other | HARTFORD LIFE AND ACCIDENT | 133 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.