| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP, INC | 2525 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL OF IOWA | $7K | $0 | $7K | 3.89% |
| 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 | $13K | $2K | $15K | 17.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 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 | $11K | $1K | $12K | 16.81% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 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 | $7K | $842 | $8K | 16.84% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $687 | $687 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH RD STE 310 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.20% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $189 | $0 | $189 | 0.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $189 | $0 | $189 | 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 | $2K | $0 | $2K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $291 | $291 | 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 | $2K | $0 | $2K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $268 | $268 | 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 | $3K | $0 | $3K | 20.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $209 | $209 | 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 | $1K | $153 | $1K | 16.89% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $121 | $121 | 1.49% |
| 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 | $0 | $1K | $1K | — |
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 | 233 | $3.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 235 | $179K |
| Vision | VISION SERVICE PLAN | 207 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $46K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
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.