| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NY | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 6.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. NAT | 736 S STONE AVE LA GRANGE, IL 60525 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 2.73% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE BUFFALO, NY 14202 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $494 | $494 | 0.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE BUFFALO, NY 14202 | MUTUAL OF OMAHA INSURANCE COMPANY | $465 | — | $465 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. NY | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 9.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. NAT | 736 S STONE AVE LA GRANGE, IL 60525 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $733 | $733 | 2.73% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE BUFFALO, NY 14202 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $244 | $244 | 0.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE BUFFALO, NY 14202 | MUTUAL OF OMAHA INSURANCE COMPANY | $229 | — | $229 | 0.85% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 137 | $54K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 137 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
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.