| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 308 NORTH 21ST STREET SAINT LOUIS, MO 63103 | COVENTRY HEALTH AND LIFE | $36K | — | $36K | 2.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.99% |
| EIIA HIGHER EDUCATION BENEFIT TRUST3 Filed as: EIIA, INC. | 200 SOUTH WACKER DRIVE, SUITE 1000 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| BEATTIE & ASSOC INC3 Filed as: BEATTIE AND ASSOCIATES, INC. | 16666 OLD CHESTERFIELD ROAD CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 1.30% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 385 | $1.4M |
| Vision | EYEMED VISION CARE | 336 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 299 | $31K |
| Prescription drug | COVENTRY HEALTH AND LIFE | 385 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.