| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 NORTH MERAMEC SUITE 300 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $50K | $50K | 2.50% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.25% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 7365 WESTMORELAND DRIVE SAINT LOUIS, MO 63130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $945 | $945 | 2.23% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 7365 WESTMORELAND DRIVE SAINT LOUIS, MO 63130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $549 | $549 | 1.86% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 7365 WESTMORELAND DRIVE SAINT LOUIS, MO 63130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $437 | $437 | 1.86% |
| ENROLLEASE3 Filed as: ONE DIGITAL-ATLANTA, GA | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $40 | — | $40 | 0.82% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $2.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 186 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $30K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 222 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.