| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3660 S. GEYER ROAD, SUITE 200 ST. LOUIS, MO 63127 | AUXIANT | $6K | — | $6K | 1.14% |
| SUNSTAR INSURANCE GROUP LLC3 | 3660 S. GEYER ROAD, SUITE 200 ST. LOUIS, MO 63127 | DELTA DENTAL OF ILLINOIS | $10K | — | $10K | 8.04% |
| SUNSTAR INSURANCE GROUP LLC3 | 3660 S. GEYER ROAD, SUITE 200 ST. LOUIS, MO 63127 | THE STANDARD | $10K | — | $10K | 9.89% |
| SUNSTAR INSURANCE GROUP LLC3 | 3660 S. GEYER ROAD, SUITE 200 ST. LOUIS, MO 63127 | THE STANDARD | $6K | — | $6K | 15.24% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | THE STANDARD | $1K | — | $1K | 5.08% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | THE STANDARD | $14K | — | $14K | 75.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNSTAR INSURANCE GROUP EIN 46-0800597 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 3660 S GEYER ROAD STE 200 ST. LOUIS, MO 63127 | $113K |
| AUXIANT EIN 42-1489487 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2450 RIMROCK RD STE 301 MADISON, WI 53713 | $85K |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AUXIANT | 220 | $571K |
| Dental | DELTA DENTAL OF ILLINOIS | 218 | $123K |
| Vision | THE STANDARD | 204 | $24K |
| Life insurance | THE STANDARD | 323 | $99K |
| Long-term disability | THE STANDARD | 188 | $38K |
| Prescription drug | AUXIANT | 220 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.