| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLSON, TIMOTHY H3 | 16820 FRANCES ST STE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 14.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA TIM OLSON INC | 16820 FRANCES STREET STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.63% |
| OLSON, TIMOTHY H3 | 16820 FRANCES ST STE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156K | — | $156K | 20.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA THE OLSON G | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA PEDERSEN | PO BOX 2597 WATERLOO, IA 50704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.13% |
| OLSON, TIMOTHY H3 | 16820 FRANCES ST STE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 13.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA THE OLSON G | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.24% |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH DBA PEDERSEN | PO BOX 2597 WATERLOO, IA 50704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $267 | $267 | 0.19% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 23.50% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 25.00% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVE STE 304 NAPLES, FL 34104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 25.00% |
| OLSON, TIMOTHY H3 | 16820 FRANCES ST STE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.41% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA THE OLSON G | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $136 | $136 | 0.43% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA PEDERSEN | PO BOX 2597 WATERLOO, IA 50704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $29 | $29 | 0.09% |
| OLSON, TIMOTHY H3 | 16820 FRANCES ST STE 101 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.22% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA THE OLSON G | 16820 FRANCES STREET STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $146 | $146 | 0.47% |
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 | 2,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 721 | $779K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $172K |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,455 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.