| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS, INC. | 2600 EAGAN WOODS DRIVE EAGAN, MN 55121 | PREFERREDONE INSUARANCE COMPANY | $15K | — | $15K | 3.36% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $604 | $4K | 11.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $691 | $691 | 1.81% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $521 | $3K | 18.43% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $298 | $298 | 1.96% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $407 | $2K | 18.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $233 | $233 | 1.78% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $411 | $2K | 13.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $235 | $235 | 2.05% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $912 | $273 | $1K | 13.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $156 | $156 | 1.71% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS, INC. | 2600 EAGAN WOODS DRIVE #140 EAGAN, MN 55121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $614 | — | $614 | 11.18% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EAMPLOYEE BENEFITS INC | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | $139 | $530 | 13.56% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $80 | $80 | 2.05% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSUARANCE COMPANY | 83 | $439K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $38K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 84 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $15K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.