| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 62944 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $136K | $136K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5401 ROGERS AVE STE 202 FORT SMITH, AR 729033767 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$192 | -$192 | -0.01% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | DELTA DENTAL PLAN OF ARKANSAS | $16K | — | $16K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 0.58% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 14010 FNB PKWY SUITE 200 OMAHA, NE 68154 | PAN-AMERICAN LIFE INSURANCE COMPANY | $23K | — | $23K | 9.60% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 14.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $81 | $2K | 1.03% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | GUARDIAN | $51K | — | $51K | 36.54% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 14010 FNB PKWY OMAHA, NE 68145 | GUARDIAN | $36K | $892 | $37K | 25.96% |
| SHAWN J KEELER3 | 7428 S 95TH ST LA VISTA, NE 68128 | GUARDIAN | $3K | — | $3K | 2.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 8605 EMERSON RD PLATTSMOUTH, NE 68048 | GUARDIAN | $3K | — | $3K | 2.20% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 12.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $185 | $4K | 3.14% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68145 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 22.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $460 | $460 | 0.52% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PKWY STE 300 OMAHA, NE 68154 | DELTA DENTAL PLAN OF ARKANSAS | $4K | — | $4K | 8.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | DELTA DENTAL PLAN OF ARKANSAS | $459 | — | $459 | 1.10% |
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 | 1,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,136 | $3.1M |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 1,231 | $328K |
| Vision | DELTA DENTAL PLAN OF ARKANSAS | 1,029 | $42K |
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 453 | $367K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $165K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $89K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 299 | $243K |
| Other(3 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 453 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.