| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $13K | $32K | 14.28% |
| CHAD HARMS3 Filed as: CHAD E. HARMS, INC. | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $2K | $465 | $3K | 10.27% |
| TONI L HARMS3 Filed as: TONI L. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $1K | $0 | $1K | 3.75% |
| MJ INSURANCE3 Filed as: RONALD E. WEISS AND VARIOUS AGENTS | PO BOX 203 BEATRICE, NE 68310 | AFLAC | $814 | $7 | $821 | 2.99% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | PO BOX 549 YORK, NE 68467 | AFLAC | $707 | $43 | $750 | 2.73% |
| MITCHELL M ALLNER3 Filed as: MITCHELL M. ALLNER | 8600 EXECUTIVE WOODS DRIVE LINCOLN, NE 68512 | AFLAC | $414 | $36 | $450 | 1.64% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | AFLAC | $215 | $0 | $215 | 0.78% |
| GLENN E. SCHWAB3 | 1620 NORTH 17TH STREET BEATRICE, NE 68310 | AFLAC | $114 | $0 | $114 | 0.41% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 726 | $36K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $223K |
| Short-term disability | AFLAC | 24 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $223K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 569 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.