| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M2 ADVISORS DIRECT3 Filed as: M2 ADVISORS DIRECT INC. | 9201 WATSON ROAD, SUITE 300 ST. LOUIS, MO 63126 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.86% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 9201 WATSON ROAD, SUITE 300 ST. LOUIS, MO 63126 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $971 | $0 | $971 | 6.94% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 3636 SOUTH GEYER ROAD ST. LOUIS, MO 63127 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $775 | $0 | $775 | 5.54% |
| CERTIFIED PROCESSING CORP3 Filed as: CERTIFIED PROCESSING CORPORATION | 9201 WATSON ROAD ST. LOUIS, MO 63126 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $773 | $0 | $773 | 5.52% |
| CERTIFIED PROCESSING CORP3 Filed as: CERTIFIED PROCESSING CORPORATION | 9201 WATSON ROAD ST. LOUIS, MO 63126 | COMBINED INSURANCE | $2K | $0 | $2K | 21.16% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 183 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $106K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $106K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $106K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.