| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $472 | $5K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $493 | $4K | 15.20% |
| STEVEN L. VONK3 | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $187 | $0 | $187 | 2.00% |
| MJ INSURANCE3 Filed as: DARREN J. FERNER AND VARIOUS AGENTS | 301 BOBWHITE CIRCLE DAKOTA DUNES, SD 57049 | AFLAC | $179 | $0 | $179 | 1.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: CHRISTINE A. WILLIS | 10709 GENA ROAD KETCHIKAN, AK 99901 | AFLAC | $125 | $0 | $125 | 1.33% |
| MARK FRIEHE3 Filed as: MARK E. FRIEHE | 8404 WEST CENTER ROAD, SUITE 112 OMAHA, NE 68124 | AFLAC | $57 | $0 | $57 | 0.61% |
| BRANDON M. DRAEGER3 | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $55 | $0 | $55 | 0.59% |
| MICHAEL LEE VONK3 | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $43 | $0 | $43 | 0.46% |
| MK SWAN INC3 Filed as: MK SWAN, INC. | 6610 HARVEST DRIVE PAPPILLION, NE 68133 | AFLAC | $38 | $0 | $38 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD, SUITE 200 SIOUX CITY, IA 51106 | EMPLOYEE & FAMILY RESOURCES, INC. | $152 | $0 | $152 | 4.99% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 251 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 127 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.