| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $65K | $8K | $73K | 13.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORPORATION | $17K | $0 | $17K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $5K | $5K | 2.77% |
| PHARES FINANCIAL SERVICES, INC.3 Filed as: PHARES FINANCIAL SERVICES INC | PO BOX 986 NORTH PLATTE, NE 69103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.01% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $419 | $163 | $582 | 1.12% |
| EDGHILL ENTERPRISES LLC3 | 2701 N 70TH STREET, APT D87 LINCOLN, NE 68507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $18 | $347 | 0.67% |
| ROBERT E ELLIS3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 0.24% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | 1830 BRENT BOULEVARD LINCOLN, NE 68506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.15% |
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 | 1,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 64 | $52K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,733 | $175K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,118 | $551K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,118 | $551K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,118 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.