| 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 | $23K | $20K | $43K | 16.73% |
| TONI L HARMS3 Filed as: TONI L. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $4K | $101 | $5K | 12.99% |
| CHAD HARMS3 Filed as: CHAD E. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $682 | $43 | $725 | 2.08% |
| MJ INSURANCE3 Filed as: SEFORA BILLUPS AND VARIOUS AGENTS | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $668 | $24 | $692 | 1.99% |
| SVEHLA & ASSOCIATES INC3 Filed as: SVEHLA AND ASSOCAITES INC. | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | AFLAC | $678 | $10 | $688 | 1.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | AFLAC | $668 | $0 | $668 | 1.92% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $258 | $14 | $272 | 0.78% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $188 | $10 | $198 | 0.57% |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | 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. | 733 | $39K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 441 | $256K |
| Short-term disability | AFLAC | 35 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 441 | $256K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 563 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.