| 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 | — | $43K | $43K | 2.90% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 12.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.76% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 17.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $455 | $455 | 1.21% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $726 | $726 | 2.14% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $453 | $453 | 1.87% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DRIVE SUITE 140 EAGAN, MN 55121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $979 | $3K | 15.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $326 | $326 | 1.78% |
| 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 | 9.94% |
| 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 | $870 | $492 | $1K | 15.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $164 | $164 | 1.89% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 170 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $34K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.