| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS GROUP, INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.91% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| BENEFITS INC3 Filed as: BENEFITS GROUP, INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| BENEFITS INC3 Filed as: BENEFITS GROUP, INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $964 | $964 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $628 | $628 | 1.50% |
| GREAT LAKES GROUP ADVISORS3 | 2525 S TELEGRAPH RD STE 310 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.30% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 48302 | VISION SERVICE PLAN | $178 | $0 | $178 | 0.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $178 | $0 | $178 | 0.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $118 | $118 | 1.50% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 230 | $2.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $144K |
| Vision | VISION SERVICE PLAN | 196 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $98K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $42K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 230 | $2.8M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 269 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.