| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDRICK EMPLOYEE BENEFITS INC Filed as: THE TEDRICK GROUP | 1129 BROADWAY PO BOX 983 MT VERNON, IL 62864 | UNIMERICA INSURANCE COMPANY | $48K | — | $48K | 18.17% |
| TEDRICK EMPLOYEE BENEFITS INC | PO BOX 983 MT VERNON, IL 62864 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 10.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFITS ADMINISTRATORS, INC. EIN 35-1450364 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | ABC CAPE GIRARDEAU, MO 63701 | $73K |
| HEALTHLINK, INC. EIN 43-1364135 | Other insurance fees and expenses Service code 73 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $14K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 | Other insurance fees and expenses Service code 73 | — | $8K |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 145 | $261K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $241K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $241K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $241K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $241K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $241K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.