| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MORACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.25% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $836 | — | $836 | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.30% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SVS | 800 MAIN ST DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $529 | — | $529 | 2.53% |
| 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 | $903K |
| CENTRAL BANK & TRUST COMPANY INVESTMENT MANAGER | Custodial (securities); Investment management Service code 19 | 300 W VINE STREET LEXINGTON, KY 40507 | $42K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 INVESTMENT MANAGER | Investment management Service code 28 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $21K |
| 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 | 1,984 | 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) | 1,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 356 | $9.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,263 | $256K |
| Vision | VISION SERVICE PLAN | 68 | $11K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 480 | $5.0M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 480 | $5.0M |
| Long-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 480 | $5.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE | 1,050 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,263 | — |
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."
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.