| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD A BECKERLE3 | 425 EAGLE POINTE LANDING EUREKA, MO 63025 | TRUSTMARK INSURANCE | $16K | — | $16K | 12.57% |
| HEALTH CARE SERVICES CORP0 | 300 E. RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS CO. | — | $5K | $5K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. NEW YORK, NY 10281 | HARTFORD LIFE & ACCIDENT | $3K | — | $3K | 25.00% |
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 | 5,349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 55 | $124K |
| Life insurance | DEARBORN NATIONAL LIFE | 5,404 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE | 5,295 | $247K |
| Long-term disability | DEARBORN NATIONAL | 2,782 | $681K |
| Prescription drug | FOUR EVER LIFE INS CO. | 55 | $124K |
| Other(4 contracts, 4 carriers) | CERIDIAN CORPORATION | 8,450 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,450 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.