| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $44K | — | $44K | 3.11% |
| CLJM LLC3 | 8235 FORSYTH BLVD. SUITE 1200 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $15K | — | $15K | 1.08% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | AGENCY INC. 2305 RIVER ROAD LOUISVILLE, KY 40206 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $201 | $201 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 4.17% |
| CLJM LLC3 Filed as: CLJM | 8235 FORSYTH BOULEVARD SUITE 1200 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.83% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 162 | $1.4M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 145 | $138K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 162 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.