| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAUGHT-NAUGHT AGENCY3 | PO BOX 1768 JEFFERSON CITY, MO 65101 | PACE UNDERWRITERS LLC | $13K | — | $13K | 9.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 3810 E. SUNSHINE ST, STE 200 SPRINGFIELD, MO 65809 | PACE UNDERWRITERS LLC | $8K | — | $8K | 5.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | PO BOX 1768 JEFFERSON, MO 65101 | PACE UNDERWRITERS LLC | $2K | — | $2K | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACE UNDERWRITERS EIN 81-4888426 STOP LOSS INS CARRIER | Other fees Service code 99 | 4120 INTERNATIONAL PARKWAY, STE 220 CARROLLTON, TX 75007 | $142K |
| GROUP BENEFIT SERVICES EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Account maintenance fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 12 | 3810 E. SUNSHINE ST, STE 200 SPRINGFIELD, MO 65809 | $51K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO NETWORK | Other fees; Other services; Direct payment from the plan Service code 49 | 29742 NETWORK PLACE CHICAGO, IL 60673 | $26K |
| NAUGHT-NAUGHT AGENCY EIN 05-0479173 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 1768 JEFFERSON CITY, MO 65101 | $13K |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 114 | $152K |
| Dental | PACE UNDERWRITERS LLC | 114 | $142K |
| Vision | PACE UNDERWRITERS LLC | 114 | $142K |
| Prescription drug(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 114 | $152K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 114 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.