| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST ST ST. LOUIS, MO 63103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 3.35% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E. LAKEWOOD SPRINGFIELD, MO 65810 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.65% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 8.60% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E. LAKEWOOD SPRINGFIELD, MO 65810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $405 | $978 | $1K | 2.78% |
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST ST ST. LOUIS, MO 63103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $711 | — | $711 | 3.04% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E. LAKEWOOD SPRINGFIELD, MO 65810 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $265 | — | $265 | 1.13% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | ADVANTICA INSURANCE COMPANY | $585 | — | $585 | 10.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $748K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $23K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $50K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $50K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $50K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.