| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | DBA AHM INSURANCE 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 4.11% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 641121906 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 1.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MO, LLC | 11975 WESTLINE IND DRIVE ST. LOUIS, MO 63146 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $194 | $2K | 4.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | P.O. BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 4.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MO, LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $12 | $1K | 5.06% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | P.O. BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.01% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $112 | $2K | 25.08% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 295 | $704K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 149 | $43K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 149 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $21K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
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.