| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C.J. REATINI LLC3 Filed as: CJ REATINI LLC | 1 MCBRIDE AND SON CTR DR STE 160 CHESTERFIELD, MO 630051415 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 5.38% |
| MARK TULPER3 | 1415 ELBRIDGE PAYNE ROAD SUITE 125 CHESTERFIELD, ME 63017 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 2.62% |
| C.J. REATINI LLC3 Filed as: C J REATINI LLC | 1 MCBRIDE AND SON CENTER DR STE 160 CHESTERFIELD, MO 63005 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 11.70% |
| MARK TULPER3 | 1 MCBRIDE AND SON CENTER DR STE 160 CHESTERFIELD, MO 63005 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 8.23% |
| C.J. REATINI LLC3 Filed as: CJ REATINI LLC | 1 MCBRIDE AND SON CTR STE 160 CHESTERFIELD, MO 630051415 | VISION SERVICE PLAN | $765 | — | $765 | 4.97% |
| MARK TULPER3 | 14024 CONWAY RD CHESTERFIELD, MO 630173402 | VISION SERVICE PLAN | $188 | — | $188 | 1.22% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 195 | $145K |
| Vision | VISION SERVICE PLAN | 142 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $63K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $63K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.