| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERTIFIED PROCESSING CORP3 | 9201 WATSON RD-STE 300 SAINT LOUIS, MO 63126 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 8.92% |
| M2 ADVISORS DIRECT3 Filed as: M2 ADVISORS DIRECT INC | 9201 WATSON RD-STE 300 SAINT LOUIS, MO 63126 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.04% |
| CERTIFIED PROCESSING CORP3 | 9201 WATSON RD-STE 300 SAINT LOUIS, MO 63126 | FIDELITY SECURITY LIFE INSURANCE/EYEMED | $2K | — | $2K | 18.32% |
| CERTIFIED PROCESSING CORP3 | 9201 WATSON RD STE 300 SAINT LOUIS, MO 63126 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 49.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CERTIFIED PROCESSING CORP EIN 43-1308674 VENDOR-CONSULTANT | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Other services Service code 10 | 9201 WATSON RD-STE 300 SAINT LOUIS, MO 63126 | $76K |
| BENEFITS ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 VENDOR-PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 17475 JOVANNA DR-STE1D HOMEWOOD, IL 60430 | $64K |
| HOOPAYZ LLC EIN 45-5434349 VENDOR-CLAIMS REVIEW | Other services Service code 49 | 14515 N OUTER 40 RD CHESTERFIELD, MO 63017 | $0 |
| TELADOC INC EIN 27-0549176 VENDOR-TELEHEALTH | Other services Service code 49 | 1945 LAKEPOINT DRIVE LEWISVILLE, TX 75057 | $0 |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE/EYEMED | 93 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $88K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 17 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $88K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | IHC RISK SOLUTION | 164 | $245K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.