| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SE | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $923 | $4K | 4.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 21.02% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SERVICES INC | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 11.66% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $739 | $739 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.49% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $610 | $610 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SERVICES | 750 WARRENVILLE ROAD SUITE #400 LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $955 | — | $955 | 5.51% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $294 | — | $294 | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SERVICE | 750 WARRENVILLE ROAD SUITE #400 LISLE, IL 60532 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $177 | — | $177 | 1.02% |
| THREEFLOW3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37 | — | $37 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $264 | $264 | 2.47% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $160 | $160 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BEN SVCS INC | 750 WARRENVILLE ROAD SUITE 400 LISLE, IL 60532 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $233 | $233 | 2.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $143 | $143 | 1.50% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $92K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 251 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $41K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $59K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.