| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1611 10TH ST STE B AURORA, NE 688181234 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 8.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.33% |
| CHAD SVOBODA3 | 1102 13TH ST AURORA, NE 688182008 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1611 10TH ST STE A AURORA, NE 688181234 | VISION SERVICE PLAN | $7K | — | $7K | 8.45% |
| CHAD SVOBODA3 | 1010 S F RD AURORA, NE 688184120 | VISION SERVICE PLAN | $1K | — | $1K | 1.55% |
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 | 780 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $473K |
| Vision | VISION SERVICE PLAN | 519 | $78K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $473K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $473K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,233 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,233 | — |
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.