| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS SERVICES LLC | 7415 W 130TH SUITE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 10.61% |
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | — | $19K | $19K | 3.73% |
| TIM OLSON INC3 | 16820 FRANCIS STREET STE 202 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48K | — | $48K | 22.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.03% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES, | 7415 W 130TH STREET OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 10.94% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL STE 200 LINCOLN, NE 68508 | METLIFE LEGAL PLANS | $2K | — | $2K | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | METLIFE LEGAL PLANS | $729 | — | $729 | 3.60% |
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 | 1,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,893 | $634K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,893 | $634K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,893 | $634K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,893 | $866K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,893 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.