| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $16K | 11.14% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E. MILLER INSURANCE GROUP | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $10 | $5K | 3.67% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTH UMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.29% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $3K | — | $3K | 2.13% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $2K | $561 | $3K | 2.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 RX BENEFIT MANAGEMENT | Direct payment from the plan; Float revenue; Other fees; Claims processing Service code 12 | — | $593K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $68K |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 459 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $141K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $141K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $141K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $141K |
| Stop-loss / reinsurancereinsurance | PAM AM LIFE-POINT6 EVOLUTION | 236 | $455K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.