| 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 | $876 | $4K | 15.74% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $501 | $501 | 1.87% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $786 | $3K | 13.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $449 | $449 | 2.00% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $380 | $2K | 12.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $217 | $217 | 1.40% |
| THE LOWERY GROUP3 Filed as: LOWERY BENEFIT SERVICES | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $430 | $2K | 19.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $246 | $246 | 2.36% |
| THE LOWERY GROUP3 | 445 SALEM PL FAIRVIEW HEIGHTS, IL 622081326 | VISION SERVICE PLAN | $672 | — | $672 | 7.96% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 10.11% |
| ALEXANDER COVE ALVARADO3 | 3373 HILL ROAD HIGHLAND, IL 62249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 3.73% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.99% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.99% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.52% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 64 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $27K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.