| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINCOLN FINANCIAL MANAGEMENT LLC3 | 6040 S 58TH ST STE E LINCOLN, NE 685163965 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | $7K | $40K | 8.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6040 S 58TH ST SUITE E LINCOLN, NE 68516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 8.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 6040 S 58TH ST STE E LINCOLN, NE 685163695 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD FL 21 ROLLING MEADO, IL 60048 | AMERITAS LIFE INSURANCE CORP | — | $550 | $550 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6040 S 58TH ST SUITE E LINCOLN, NE 68516 | SUN LIFE AND HEALTH INSURANCE COMPANY | $158 | — | $158 | 4.72% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,031 | $443K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,018 | $82K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,031 | $443K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $353K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $353K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.