| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER RD #110 ST. LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 5.50% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA PJC INSURANCE P BOX 9750 SPRINGFIELD, MO 658010004 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.49% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA CHAPMAN HOGAN INSURANCE 3636 S GEYER RD STE 110 SAINT LOUIS, MO 631271237 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER RD #110 ST. LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 21.04% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA CERTIFIED PROCESSING - MEYER 3636 SOUTH GEYER RD. ST LOUIS, MO 63127 | EYE MED | $1K | $0 | $1K | 5.08% |
| SUNSTAR INSURANCE GROUP LLC3 | DBA CERTIFIED PROCESSING CORP 3636 SOUTH GEYER RD #110 ST. LOUIS, MO 63127 | EYE MED | $1K | — | $1K | 4.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCY ADMINISTRATORS, LLC EIN 47-2761435 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $446K |
| HEALTHLINC, INC. EIN 43-1364135 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $19K |
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 | 217 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 200 | $142K |
| Vision | EYE MED | 393 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 266 | $58K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 267 | $89K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 267 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.