| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $19K | $39K | 16.93% |
| TONI L HARMS3 Filed as: TONI L. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $2K | $155 | $2K | 6.67% |
| MJ INSURANCE3 Filed as: CHAD HARMS INC. AND VARIOUS AGENTS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $1K | $31 | $1K | 4.27% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | AFLAC | $1K | $0 | $1K | 4.09% |
| CHAD HARMS3 Filed as: CHAD E. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $936 | $66 | $1K | 3.14% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $648 | $31 | $679 | 2.12% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $287 | $13 | $300 | 0.94% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $241 | $0 | $241 | 0.75% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | 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. | 777 | $39K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $231K |
| Short-term disability | AFLAC | 28 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $231K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 569 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.