| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M2 ADVIOSRS DIRECT INC3 | 3636 S GEYER RD-STE 110 ST LOUIS, MO 63127 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 12.37% |
| CERTIFIED PROCESSING CORP3 | 3636 S GEYER RD-STE 110 ST LOUIS, MO 63127 | FIDELITY SECRUTITY LIFE INSURANCE/EYEMED | $2K | — | $2K | 18.00% |
| CERTIFIED PROCESSING CORP3 | 3636 S GEYER RD-STE 110 ST LOUIS, MO 63127 | COMBINED INSURANCE COMPANY OF AMERICA | $407 | — | $407 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CERTIFIED PROCESSING CORP EIN 43-1308674 VENDOR-WELLNESS | Insurance agents and brokers; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Accounting (including auditing) Service code 10 | 3636 S GEYER RD-STE 110 ST LOUIS, MO 63127 | $85K |
| BENEFITS ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 VENDOR-PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 17475 JOVANNA STE ID HOMEWOOD, IL 60430 | $78K |
| HOOPAYZ EIN 45-5434349 VENDOR-HEALTHADVOCACY | Other services Service code 49 | 3636 S GEYER RD-STE 110 ST LOUIS, MO 63127 | $15K |
| TELADOC 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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECRUTITY LIFE INSURANCE/EYEMED | 100 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $95K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 17 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $95K |
| Stop-loss / reinsurancereinsurance | PARTNERS MANAGING GENERAL UNDERWRITER LLC | 169 | $252K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.