| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | — | BLUECROSS BLUESHIELD OF ILLINOIS | $84K | $3K | $87K | 8.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $5K | $24K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $677 | $3K | 20.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $648 | $2K | 20.64% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $190K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 351 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 351 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 351 | $65K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 499 | $1.0M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 351 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.