| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER J. LOWERY-THE LOWERY GROUP3 Filed as: ROGER J LOWERY - THE LOWERY GROUP | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.58% |
| 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 | — | $535 | $535 | 1.76% |
| ROGER J. LOWERY-THE LOWERY GROUP3 Filed as: ROGER J LOWERY - THE LOWERY GROUP | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| 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 | 1.77% |
| ROGER J. LOWERY-THE LOWERY GROUP3 Filed as: ROGER J LOWERY - THE LOWERY GROUP | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| 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 | — | $310 | $310 | 1.77% |
| ROGER J. LOWERY-THE LOWERY GROUP3 Filed as: ROGER J LOWERY - THE LOWERY GROUP | 445 SALEM PL FAIRVIEW HEIGHTS, IL 62208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| 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 | — | $209 | $209 | 2.11% |
| THE LOWERY GROUP3 | 445 SALEM PL FAIRVIEW HEIGHTS, IL 622081326 | VISION SERVICE PLAN | $714 | — | $714 | 7.70% |
| ALEXANDER COVE ALVARADO3 | 7 STONE DRIVE HIGHLAND, IL 62249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 37.08% |
| THE LOWERY GROUP3 | 445 SALEM PLACE FAIRVIEW HEIGHTS, IL 62208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $896 | $548 | $1K | 15.87% |
| AMY MARIE RENNER3 | 217 DEANE CT SAINT LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 3.55% |
| CANDACE OSBORNE3 | 614 FALL ST EAST SAINT LOUIS, IL 62206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 3.13% |
| ROGERS BENEFIT GROUP INC3 Filed as: TORI ROGERS | 311 SWEETWATER LN O FALLON, IL 62269 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $47 | $69 | 0.76% |
| RICHARD D SCHOOLEY3 Filed as: RICHARD D. SCHOOLEY | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.75% |
| LAWRENCE A SCHRADER3 Filed as: LAWRENCE A. SCHRADER | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.14% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.14% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 75 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $30K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.