| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $110K | $110K | 3.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $14K | $39K | 15.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $7K | $29K | 19.60% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $5K | $26K | 19.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.81% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $20K | 22.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 19.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | $381 | $381 | 0.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 NORTH GRANT STREET SUITE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $493 | $493 | 2.56% |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $2.9M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $250K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 265 | $39K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $224K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 452 | $150K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.