| 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% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNIMERICA INSURANCE COMPANY | — | — | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES4 | 13810 FNB PARKWAY OMAHA, NE 68154 | RELIANCE STANDARD | $1K | — | $1K | 2.48% |
| FIRST INSURANCE GROUP LLC4 | 14010 FNB PARKWAY OMAHA, NE 68154 | RELIANCE STANDARD | $1K | — | $1K | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 51.11% |
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PKWY OMAHA, NE 68154 | RELIANCE STANDARD | $177 | — | $177 | 5.50% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY OMAHA, NE 68145 | RELIANCE STANDARD | $177 | — | $177 | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 31-1558779 CONTRACT ADMIN/CONSULTING | Contract Administrator; Consulting (general) Service code 13 | 230 LEXINGTON GREEN CIR LEXINGTON, KY 40503 | $875K |
| CENTRAL BANK & TRUST COMPANY INVESTMENT MANAGER | Investment management; Custodial (securities) Service code 19 | 300 W VINE STREET LEXINGTON, KY 40507 | $37K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 INVESTMENT MANAGER | Investment management Service code 28 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $19K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $16K |
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 | 1,592 | 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) | 1,592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 344 | $7.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 1,216 | $293K |
| Vision | VISION SERVICE PLAN | 70 | $11K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 480 | $4.9M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 480 | $4.9M |
| Long-term disability | BLUE CROSS BLUE SHIELD OF NEBRASKA | 480 | $4.9M |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | TOKIO MARINE | 1,050 | $828K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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.