| 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 | — | $35K | $35K | 2.95% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.51% |
| 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 | — | $1K | $1K | 1.73% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.18% |
| 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 | — | $969 | $969 | 2.67% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $710 | $4K | 18.12% |
| 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 | — | $406 | $406 | 1.79% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $680 | $3K | 13.00% |
| 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 | — | $389 | $389 | 1.72% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $494 | $2K | 13.03% |
| 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 | — | $282 | $282 | 1.73% |
| 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 | 9.89% |
| 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 | $820 | $249 | $1K | 13.03% |
| 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 | — | $142 | $142 | 1.73% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 143 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 204 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $36K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.