| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA A PERRI3 Filed as: LISA SCAMEHORN | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | HEALTHPARTNERS, INC | $13K | — | $13K | 3.23% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DR STE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $729 | $4K | 12.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $416 | $416 | 1.20% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DR STE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $620 | $3K | 19.16% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $177 | $177 | 1.19% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DR STE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $519 | $2K | 14.42% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $148 | $148 | 1.26% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DR STE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $461 | $2K | 18.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $132 | $132 | 1.13% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DR STE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $778 | $312 | $1K | 14.01% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS, INC. | 2600 EAGAN WOODS DRIVE #140 EAGAN, MN 55121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $519 | — | $519 | 10.86% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EAMPLOYEE BENEFITS INC | 2600 EAGAN WOODS DR STE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $398 | $178 | $576 | 14.48% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $51 | $51 | 1.28% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC | 77 | $397K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 77 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $15K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.