| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 308 N 21ST ST ST. LOUIS, MO 63103 | UNITED HEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 2.08% |
| HOLMES MURPHY & ASSOCIATES3 | 7777 BONHOMME AVE, SUITE 2300 CLAYTON, MO 631051963 | UNITED HEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 308 N 21ST ST ST. LOUIS, MO 631031642 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $24 | $6K | 8.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.60% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | PO BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $499 | $126 | $625 | 0.88% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, OH 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.06% |
| HOLMES MURPHY & ASSOCIATES | 7777 BONHOMME AVE, SUITE 2300 ST. LOUIS, MO 631051963 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $121 | — | $121 | 1.07% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 293 | $1.5M |
| Dental | DELTA DENTAL | 150 | $95K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 224 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $71K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $71K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.