| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRONG FINANCIAL RESOURCES INC3 Filed as: STRONG FINANCIAL RESOURSCES INC | 1611 10TH ST AURORA, NE 688181234 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 6.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1611 10TH ST AURORA, NE 68818 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 17.67% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.03% |
| 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 | — | $332 | $332 | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH STREET AURORA, NE 68818 | ALLSTATE BENEFITS | $3K | — | $3K | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH STREET AURORA, NE 68818 | ALLSTATE BENEFITS | $3K | — | $3K | 10.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES INC | 1611 10TH STREET AURORA, NE 68818 | ALLSTATE BENEFITS | $3K | — | $3K | 9.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH STREEET AURORA, NE 68818 | ALLSTATE BENEFITS | $3K | — | $3K | 9.58% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $368 | $368 | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $334 | $334 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $298 | $298 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE BENEFITS | — | $259 | $259 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12444 POWERSCOURT DRIVE SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $123 | $4K | 25.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 1611 10TH STREET SUITE B AURORA, NE 68818 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 9.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | — | $12 | $12 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | TRUSTMARK LIFE INSURANCED COMPANY | $447 | — | $447 | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH ST AURORA, NE 688181234 | EMC NATIONAL LIFE COMPANY | $377 | — | $377 | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH ST AURORA, NE 688181234 | BLUECROSSBLUESHIELD OF NEBRASKA | — | — | $0 | — |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 91 | $26K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $67K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $67K |
| Life insurance(6 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $134K |
| Long-term disability | ALLSTATE BENEFITS | 19 | $26K |
| Other | ALLSTATE BENEFITS | 19 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.