| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED HEALTHCARE INSURANCE COMPANY | $142K | $0 | $142K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $11K | 6.39% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.53% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 6.04% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.45% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.45% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.57% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES INC | 333 S ST STE V283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.83% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.19% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.32% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.34% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | ARAG INSURANCE COMPANY | $902 | $0 | $902 | 6.32% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | ARAG INSURANCE COMPANY | $263 | $0 | $263 | 1.84% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | ARAG INSURANCE COMPANY | $206 | $0 | $206 | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $980 | $0 | $980 | 9.06% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $592 | $0 | $592 | 5.47% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $592 | $0 | $592 | 5.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 E 5600 S STE 240 SALT LAKE CITY, UT 84107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | $0 | $711 | 8.97% |
| INTERMEDIARY SERVICES LLC3 Filed as: INTERMEDIARY SERVICES, LLC | 333 S STATE ST, STE V #283 LAKE OSWEGO, OR 97034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $437 | $0 | $437 | 5.51% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $437 | $0 | $437 | 5.51% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 822 | $6.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 486 | $208K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 486 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 487 | $141K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 490 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.