| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH STREET AURORA, NE 68818 | AETNA LIFE INSURANCE CO. | $74K | $96 | $74K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH STREET, SUITE B AURORA, NE 68818 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $75 | $25K | 14.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 510 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.01% |
| STRONG FINANCIAL RESOURCES INC3 Filed as: STRONG ADVISORY GROUP INC | 1611 10TH STREET AURORA, NE 68818 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH STREET AURORA, NE 68818 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 23.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $467 | $467 | 1.11% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | $0 | $73 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 900 KANSAS CITY, MO 64108 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.71% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH STREET, SUITE A AURORA, NE 68818 | VISION SERVICE PLAN | $3K | $0 | $3K | 17.00% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 139 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $259K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 222 | $107K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $259K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 222 | $122K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $259K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 139 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.