| 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 | — | $28K | $28K | 1.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 308 N 21ST ST STE 100 SAINT LOUIS, MO 63103 | UNITED HEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INSURANCE | 308 N 21ST ST ST. LOUIS, MO 63103 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 INTERNATIONAL PLZ STE 400 PHILADELPHIA, PA 191131535 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 5.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 308 N 21ST ST ST. LOUIS, MO 631031642 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 3.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $674 | $674 | 0.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | — | $484 | $484 | 0.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | PO BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFLEX HR RESOURCES, INC. EIN 26-4445781 3RD PARTY | Contract Administrator Service code 13 | 10805 SUNSET OFFICE DRIVE, SUITE 40 ST. LOUIS, MO 63127 | $5K |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 311 | $1.7M |
| Dental | DELTA DENTAL | 150 | $120K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 253 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $76K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.