| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH ST AURORA, NE 688181234 | BLUECROSSBLUESHIELD OF NEBRASKA | $42K | — | $42K | 6.91% |
| STRONG FINANCIAL RESOURCES INC3 Filed as: STRONG FINANCIAL RESOURSCES INC | 1611 10TH ST AURORA, NE 688181234 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES | 1611 10TH ST AURORA, NE 68818 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 17.76% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUECROSSBLUESHIELD OF NEBRASKA | 7261 MERCY RD PO BOX 3248 OMAHA, NE 681800001 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $361 | $361 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | TRUSTMARK LIFE INSURANCED COMPANY | $424 | — | $424 | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH ST AURORA, NE 688181234 | EMC NATIONAL LIFE COMPANY | $459 | — | $459 | 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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSSBLUESHIELD OF NEBRASKA | 91 | $604K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $79K |
| Life insurance(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.