| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 7.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 6.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.90% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.90% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.05% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SVCS. | 500 SILVER SPUR RD STE 121 ROLLING HILLS ESTATES, CA 902753674 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $4K | $16K | 5.45% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SVCS. | 500 SILVER SPUR RD STE 121 ROLLING HILLS ESTATES, CA 902753674 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $4K | $15K | 5.58% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $189K | $0 | $189K | 72.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.99% |
| PATRIOT GROWTH INSURANCE SERVICES5 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.27% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| INTREPID5 Filed as: INTREPID BENEFITS INC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $791 | $791 | 0.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1900 N GRANT ST STE 650 DENVER, CO 802034325 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $372 | $13K | 9.94% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 359760004 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $246 | $246 | 0.19% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 13.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.28% |
| PATRIOT GROWTH INSURANCE SERVICES5 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.46% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.46% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR RD STE 121 RLLNG HLS EST, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.13% |
| INTREPID5 Filed as: INTREPID BENEFITS INC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $791 | $791 | 0.66% |
| ROGERS BENEFIT GROUP INC4 Filed as: MICHAEL J ROGERS | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | $0 | $8K | 21.58% |
| PATRIOT GROWTH INSURANCE SERVICES4 Filed as: PATRIOT GROWTH INSURANCE SER | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 14.30% |
| DAVID QUACKENBUSH4 | 5353 S GENOA WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 0.10% |
| INS OFF OF RAYMOND STRICKLAND DBA T4 | 9905 OLD ST AUGUSTINE RD JACKSONVILLE, FL 32224 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.08% |
| HOPING PEOPLE LLC4 | 1550 W HORIZON RIDGE PKWY STE R143 HENDERSON, NV 89012 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.07% |
| MICHELLE ROBERTS4 | PO BOX 1198-1343 SACRAMENTO, CA 95812 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | $0 | $22 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE CARRIER | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $269K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 INSURANCE CARRIER | Consulting fees Service code 70 | 711 HIGH STREET DES MOINES, IA 50392 | $63K |
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 | 1,420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 43 | $559K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 2,090 | $130K |
| Life insurance(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,485 | $553K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,483 | $459K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 43 | $559K |
| Other(6 contracts, 5 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,799 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,090 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.