| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.04% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS | 8790 F STREET, SUITE 204 OMAHA, NE 68127 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.77% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS | 8790 F STREET, SUITE 204 OMAHA, NE 68127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 22.02% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2807 CLINTON, IA 52733 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $0 | $8K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $458 | $0 | $458 | 6.38% |
| KRISTOPHER EVANS4 | 181 GREENWOOD DRIVE LEBANON, TN 37090 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $51 | $0 | $51 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $35 | $0 | $35 | 0.49% |
| MJMX2, LLC4 | PO BOX 391044 OMAHA, NE 68139 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $28 | $0 | $28 | 0.39% |
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 | 1,059 | 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) | 1,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,245 | $81K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $490K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $490K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $490K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,087 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,245 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.