| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING INSURANCE GROUP3 Filed as: STERLING INSURANCE AGENCY INC | 2911 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $50K | $50K | 4.17% |
| M2 ADVISORS DIRECT3 | 9201 WATSON RD STE 300 ST LOUIS, MO 63126 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| STERLING INSURANCE GROUP3 Filed as: STERLING INSURANCE AGENCY LLC | 2911 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| M2 ADVISORS DIRECT3 | 9201 WATSON RD STE 300 ST LOUIS, MO 63126 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.98% |
| STERLING INSURANCE GROUP3 Filed as: STERLING INSURANCE AGENCY LLC | 2911 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.99% |
| M2 ADVISORS DIRECT3 | 9201 WATSON RD STE 300 ST LOUIS, MO 63126 | STANDARD INSURANCE COMPANY | $974 | — | $974 | 4.98% |
| STERLING INSURANCE GROUP3 Filed as: STERLING INSURANCE AGENCY LLC | 2911 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | STANDARD INSURANCE COMPANY | $389 | — | $389 | 1.99% |
| STERLING INSURANCE GROUP3 Filed as: STERLING INSURANCE AGENCY | 2911 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | EYE MED | $792 | — | $792 | 4.57% |
| M2 ADVISORS DIRECT3 | 9201 WATSON RD STE 300 ST LOUIS, MO 63126 | STANDARD INSURANCE COMPANY | $833 | — | $833 | 4.98% |
| STERLING INSURANCE GROUP3 Filed as: STERLING INSURANCE AGENCY LLC | 2911 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | STANDARD INSURANCE COMPANY | $333 | — | $333 | 1.99% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 141 | $65K |
| Vision | EYE MED | 144 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 145 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 145 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 145 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
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.