| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $12K | $24K | 5.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 600084036 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 600084036 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $1K | $21K | 15.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH ST STE A AURORA, NE 68818 | VISION SERVICE PLAN | $16K | — | $16K | 15.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 600084036 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $827 | $10K | 10.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET SUITE A AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $9K | — | $9K | 14.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | SVCS INC 1611 10TH STREET AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $2K | — | $2K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | — | $526 | $526 | 0.85% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD ST. PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $83 | — | $83 | 0.13% |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,704 | $413K |
| Vision | VISION SERVICE PLAN | 490 | $102K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,736 | $135K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 382 | $91K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,736 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,736 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.