| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 5.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $4K | $4K | 3.17% |
| UNKNOWN3 | UNKNOWN BOYS TOWN, NE 68010 | BLUE CROSS BLUE SHIELD OF NEBRASKA | $64K | $0 | $64K | 58.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 22.43% |
| CROSS INSURANCE3 Filed as: BLUE CORSS AND BLUE SHIELD OF NEBRA | 1919 AKSARBEN DRIVE OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HLLS DRIVE, SUITE 100 OMAHA, NE 68154 | METROPOLITAN GENERAL INSURANCE COMPANY | $525 | $0 | $525 | 12.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE, SUITE 10 OMAHA, NE 68154 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $65 | $65 | 1.52% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 199 | $109K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 356 | $112K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 356 | $112K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEBRASKA | 199 | $109K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.