| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $190K | $21K | $211K | 19.88% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85K | $0 | $85K | 7.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 8605 EMERSON ROAD PLATTSMOUTH, NE 68048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 0.60% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 7428 SOUTH 95TH STREET LA VISTA, NE 68128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $67K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 89 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,608 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,608 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,608 | $1.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,608 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.