| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4135 CLINTON, IA 52732 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $23K | $51K | 17.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE COMPANY | $0 | $404 | $404 | 0.99% |
| TONI L HARMS3 Filed as: TONI L. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $1K | $41 | $1K | 12.14% |
| STEPHANIE A. SVEHLA3 | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | AFLAC | $344 | $10 | $354 | 3.28% |
| SVEHLA & ASSOCIATES INC3 Filed as: SVEHLA & ASSOCIATES, INC. | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | AFLAC | $218 | $10 | $228 | 2.11% |
| CHAD HARMS3 Filed as: CHAD E. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $70 | $0 | $70 | 0.65% |
| BRANDON M. DRAEGER & OTHER AGENTS3 | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $34 | $0 | $34 | 0.32% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $33 | $0 | $33 | 0.31% |
| VESTA VOLUNTARY SPECIALISTS INC3 Filed as: VESTA VOLUNTARY SPECIALISTS | 8790 F STREET, SUITE 204 OMAHA, NE 68127 | AFLAC | $24 | $0 | $24 | 0.22% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE COMPANY | 750 | $41K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $300K |
| Short-term disability | AFLAC | 16 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $300K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 558 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.