| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ANN SCAMEHORN3 | 2600 EAGAN WOODS DR. SUITE 140 EAGAN, MN 55121 | NORTHWESTERN MUTUAL | $4K | $886 | $4K | 5.66% |
| STEVEN HELLING3 Filed as: STEVEN ALBERT HELLIN | 1450 RIVERS EDGE TR. SUITE B ALTOONA, WI 54720 | NORTHWESTERN MUTUAL | $2K | $380 | $2K | 2.43% |
| HELLYER GROUP LLC3 | 1191 NORTHLAND DR. SUITE 150 MENDOTA HITS, MN 55120 | NORTHWESTERN MUTUAL | $854 | $102 | $956 | 1.23% |
| BRENT GOSKA3 Filed as: BRENT STANLEY GOSKA | 1450 RIVERS EDGE TR SUITE B ALTOONA, WI 54720 | NORTHWESTERN MUTUAL | $151 | $54 | $205 | 0.26% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS INC. | 2600 EAGAN WOODS DR. SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.95% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR. SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $809 | $809 | 1.68% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS INC. | 2600 EAGAN WOODS DR. SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $971 | $4K | 13.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR. SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $553 | $553 | 1.82% |
| LISA ANN SCAMEHORN3 | 2600 EAGAN WOODS DR SUITE 140 EAGAN, MN 55121 | NORTHWESTERN MUTUAL | $1K | $340 | $2K | 7.15% |
| STEVEN HELLING3 Filed as: STEVEN ALBERT HELLING | 1450 RIVERS EDGE TR SUITE B ALTOONA, WI 54004 | NORTHWESTERN MUTUAL | $578 | $146 | $724 | 3.07% |
| HELLYER GROUP LLC3 | 1191 NORTHLAND DR SUITE 150 MENDOTA HTS, MN 55120 | NORTHWESTERN MUTUAL | $327 | $39 | $366 | 1.55% |
| BRENT GOSKA3 Filed as: BRENT STANLEY GOSKA | 1450 RIVERS EDGE TR SUITE B ALTOONA, WI 54720 | NORTHWESTERN MUTUAL | $58 | $21 | $79 | 0.33% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $30K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $72K |
| Long-term disability | NORTHWESTERN MUTUAL | 380 | $78K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.