| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1623 9TH STREET AURORA, NE 68818 | AETNA LIFE INSURANCE COMPANY | $28K | $3K | $31K | 1.86% |
| SVOBODA BENEFIT SOLUTIONS INC3 | 1210 L STREET AURORA, NE 68818 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 NORTH BRAND BOULEVARD GLENDALE, CA 912031923 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.18% |
| CHAD SVOBODA3 | SVOBODA BENEFIT SOLUTIONS 1210 L STREET AURORA, NE 688182016 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.88% |
| KEVIN FROM3 | SVOBODA BENEFIT SOLUTIONS 1210 L STREET AURORA, NE 688182016 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1623 9TH STREET, SUITE A AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $978 | $205 | $1K | 3.93% |
| SVOBODA BENEFIT SOLUTIONS INC3 Filed as: SVOBODA BENEFITS SOLUTIONS INC | PO BOX 12 AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | $0 | $137 | 0.46% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 681540874 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $571 | $0 | $571 | 13.80% |
| SVOBODA BENEFIT SOLUTIONS INC3 | 1210 L STREET AURORA, NE 68818 | AETNA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 3.58% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 103 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $215K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $215K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $215K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $215K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $215K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 103 | $1.7M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.