| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 7441 O STREET, SUITE 102 LINCOLN, NE 68510 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54K | $0 | $54K | 21.85% |
| TIM OLSON INC3 Filed as: TIM OLSON, INC. | 16820 FRANCES STREET, SUTE 202 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | $0 | $20K | 8.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS, LLC | 11516 MIRACLE HILLS DRIVE, SUITE 10 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.18% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $21K | $21K | 10.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13333 CALIFORNIA STREET, SUITE 206 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10050 REGENCY CIRCLE, SUITE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORPORATION | $19K | $0 | $19K | 47.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $827 | $827 | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $269 | $269 | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 7101 SOUTH 82ND STREET LINCOLN, NE 68516 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 0.43% |
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 | 1,337 | 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) | 1,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 776 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,156 | $194K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,156 | $194K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,156 | $194K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,385 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,385 | — |
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.