| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | MERCY BENEFIT ADMINISTRATORS LLC | $0 | $0 | $0 | 0.00% |
| SUNSTAR INSURANCE GROUP LLC | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | DELTA DENTAL OF ILLINOIS | $11K | — | $11K | 7.35% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | THE STANDARD | $11K | — | $11K | 12.29% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | THE STANDARD | $6K | — | $6K | 19.24% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S. GEYER ROAD, SUITE 110 ST. LOUIS, MO 63127 | THE STANDARD | $2K | — | $2K | 8.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNSTAR INSURANCE GROUP EIN 46-0800597 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 3636 S GEYER ROAD STE 110 ST. LOUIS, MO 63127 | $119K |
| MERCY BENEFIT ADMINISTRATORS, LLC EIN 47-2761435 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3265 S NATIONAL SUITE 210 SPRINGFIELD, MO 65807 | $103K |
| HOOPAYZ EIN 45-5434349 CLAIMS REVIEW | Claims processing Service code 12 | 1415 N OUTER RD CHESTERFIELD, MO 63017 | $17K |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERCY BENEFIT ADMINISTRATORS LLC | 235 | $272K |
| Dental | DELTA DENTAL OF ILLINOIS | 238 | $144K |
| Vision | THE STANDARD | 208 | $22K |
| Life insurance | THE STANDARD | 330 | $93K |
| Long-term disability | THE STANDARD | 214 | $33K |
| Prescription drug | MERCY BENEFIT ADMINISTRATORS LLC | 235 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.