| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3600 SOUTH GEYER RD STE 200 ST. LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 4.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| SUNSTAR INSURANCE GROUP LLC3 | 6950 SQUIBB RD, STE 500 MISSION, KS 662023261 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.44% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA CHAPMAN HOGAN INSURANCE 3636 S GEYER RD STE 110 SAINT LOUIS, MO 631271237 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 3660 SOUTH GEYER RD STE 200 ST. LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 16.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DR CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $0 | $837 | $837 | 1.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - PEMBROKE PINES | PO BOX 741738 15939 COLLECTONS CENTER DR ATLANTA, IL 30305 | EYE MED VISION CARE | $2K | — | $2K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCY BENEFIT ADMINISTRATORS, LLC EIN 47-2761435 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $77K |
| HEALTHLINC, INC. EIN 43-1364135 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $23K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 194 | $139K |
| Vision | EYE MED VISION CARE | 137 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 267 | $65K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $90K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.