| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $800 | $800 | 1.48% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | 916 W SAINT GERMAIN ST SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $135 | $135 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $378 | $378 | 0.75% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | 916 W SAINT GERMAIN ST SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $310 | $310 | 1.47% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | 916 W SAINT GERMAIN ST SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $53 | $53 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $323 | $323 | 1.57% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | 916 W SAINT GERMAIN ST SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $56 | $56 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | NATIONAL INCENTIVE 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $173 | $173 | 1.53% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | 916 W SAINT GERMAIN ST ST. CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28 | $28 | 0.25% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $50K |
| Vision | EYEMED VISION CARE | 154 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.