| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10050 REGENCY CIR STE 300 OMAHA, NE 681143721 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC | — | DELTA DENTAL OF NEBRASKA | $3K | — | $3K | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 14TH FLOOR, TWO PIERCE PLACE ITASCA, IL 60143 | DELTA DENTAL OF NEBRASKA | $2K | — | $2K | 4.23% |
| NEBRASKA METHODIST HEALTH SYSTEM5 | — | NEBRASKA METHODIST HEALTH SYSTEM D/B/A BESTCARE EAP | — | $4K | $4K | — |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEBRASKA | 185 | $54K |
| Vision | VISION SERVICE PLAN | 121 | $17K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 123 | $70K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 123 | $70K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 123 | $70K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 147 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.