| 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 | $26K | $20K | $46K | 16.71% |
| TONI L HARMS3 Filed as: TONI L. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $7K | $121 | $7K | 17.52% |
| STEPHANIE A. SVEHLA3 | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | AFLAC | $1K | $14 | $1K | 3.29% |
| SVEHLA & ASSOCIATES INC3 Filed as: SVEHLA AND ASSOCIATES, INC. | 1440 WESTFORK DRIVE RAYMOND, NE 68428 | AFLAC | $1K | $28 | $1K | 2.66% |
| CHAD HARMS3 Filed as: CHAD E. HARMS | 5925 EAST STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $264 | $0 | $264 | 0.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO., LLC AND OTHER AGENTS | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | AFLAC | $232 | $0 | $232 | 0.58% |
| JAMES A BELLOWS3 Filed as: JAMES A. BELLOWS | 205 SOUTH LINCOLN AVENUE, SUITE 203 YORK, NE 68467 | AFLAC | $82 | $0 | $82 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD. | 55 EAST JACKSON BOULEVARD SUITE 1400A CHICAGO, IL 60604 | AFLAC | $72 | $0 | $72 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE COMPANY | 712 | $38K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 440 | $276K |
| Short-term disability | AFLAC | 36 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 440 | $276K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 529 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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.