| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $507 | $507 | 2.03% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $458 | $458 | 2.04% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $218 | $218 | 1.77% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $222 | $222 | 2.04% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | VISION SERVICE PLAN | $682 | — | $682 | 7.89% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $9 | $296 | 10.48% |
| ALEXANDER COVE ALVARADO3 | 3373 HILL ROAD HIGHLAND, IL 62249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $15 | $161 | 5.70% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $14 | $65 | 2.30% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.35% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 1.10% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 59 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $25K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.