| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 13333 CALIFORNIA ST STE 206 OMAHA, NE 68154 | BLUECROSS BLUESHIELD | — | $466K | $466K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13333 CALIFORNIA ST OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $221K | — | $221K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATL | 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $47K | $47K | 3.22% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF NEBRASKA | 1919 AKSARBEN DR OMAHA, NE 68180 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $24K | $24K | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORP | — | $9K | $9K | 5.94% |
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 | 1,238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 1,545 | $14.6M |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,903 | $144K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,238 | $1.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,238 | $1.5M |
| Prescription drug | BLUECROSS BLUESHIELD | 1,545 | $14.6M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD | 1,545 | $14.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,238 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,903 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.