| 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 INSURANCE COMPANY | $26K | $65 | $26K | 2.93% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $855 | $8K | 11.16% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $977 | $977 | 1.33% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.06% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $544 | $4K | 17.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $311 | $311 | 1.53% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $501 | $2K | 12.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $286 | $286 | 1.47% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $385 | $2K | 12.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $220 | $220 | 1.56% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS, INC. | 2600 EAGAN WOODS DRIVE #140 EAGAN, MN 55121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
| 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 | $710 | $169 | $879 | 12.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $96 | $96 | 1.35% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $685 | $685 | — |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $391 | $391 | — |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 133 | $904K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $74K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 158 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $19K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $39K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.