| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT LLC | — | UNITY RE/GERBER | $115 | $24K | $24K | 15.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES E. TUNE | — | UNITY RE/GERBER | $19K | — | $19K | 12.07% |
| HEALTHLINK3 | — | UNITY RE/GERBER | — | $9K | $9K | 5.73% |
| CERTIFIED PROCESSING CORP3 | — | UNITY RE/GERBER | $5K | — | $5K | 3.06% |
| MEDWATCH LLC3 | — | UNITY RE/GERBER | — | $3K | $3K | 1.78% |
| FIRST HEALTH3 | — | UNITY RE/GERBER | — | $680 | $680 | 0.43% |
| ZELIS CLAIMS INTEGRITY INC3 Filed as: ZELIS CLAIMS INTEGRITY, LLC | — | UNITY RE/GERBER | — | $218 | $218 | 0.14% |
| JOSEPH H. LEE Filed as: JOSEPH H LEE | 16100 CHESTERFIELD PKWY W STE 205 CHESTERFIELD, MO 630174848 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.41% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
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.