| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1511 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM BLUE CROSS/BLUE SHIELD | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIRCLE OMAHA, NE 68114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $517 | $517 | 2.19% |
| WILLIAMS DERAS & ASSOCIATES3 | 10040 REGENCY CIRCLE OMAHA, NE 68114 | RELIANCE STANDARD | $517 | $123 | $640 | 6.82% |
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PKWY OMAHA, NE 68154 | RELIANCE STANDARD | $517 | — | $517 | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 31-1558779 NONE | Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $630K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Custodial (securities) Service code 19 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $19K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 NONE | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $17K |
| CENTRAL BANK & TRUST COMPANY NONE | Custodial (securities) Service code 19 | 300 W VINE STREET LEXINGTON, KY 40507 | $9K |
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 | 1,714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS/BLUE SHIELD | 774 | $6.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 1,819 | $204K |
| Vision | VISION SERVICE PLAN | 63 | $10K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 403 | $5.5M |
| Short-term disability | BLUE CROSS BLUE SHIELD OF NEBRASKA | 403 | $5.5M |
| Long-term disability | BLUE CROSS BLUE SHIELD OF NEBRASKA | 403 | $5.5M |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | UNIMERICA INSURANCE COMPANY | 260 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,819 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.