| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 | 100 NORTH BROADWAY STE 900 SAINT LOUIS, MO 63102 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 30.34% |
| HAWTHORNE FINANCIAL3 | 101 S HANLEY STE 1910 CLAYTON, MO 63105 | HARTFORD LIFE AND ACCIDENT | -$35K | — | -$35K | -20.56% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10315 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 18.25% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N. BROADWAY ST. LOUIS, MO 63102 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 631022736 | VISION SERVICE PLAN | $1K | — | $1K | 4.43% |
| FIRST HEARTLAND CORPORATION3 | 1839 LAKE ST LOUIS BLVD. LAKE ST. LOUIS, MO 63367 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $573 | — | $573 | 3.14% |
| DAMON PHELAN3 | 14567 N OUTER 40 RD CHESTERFIELD, MO 630175772 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $433 | $433 | 2.37% |
| EDWARD B. MCLEAN IV3 | 615 CLEVELAND AVENUE KIRKWOOD, MO 631222729 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $382 | — | $382 | 2.10% |
| CARL L KICKHAM3 | 14567 NORTH OUTER 40 RD CHESTERFIELD, MO 63017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $53 | $124 | $177 | 0.97% |
| PATRICK H MURPHY3 | 4801 RIDGEVIEW DRIVE WACO, TX 767101722 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10315 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 17.51% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N. BROADWAY ST. LOUIS, MO 63102 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 N. BROADWAY ST. LOUIS, MO 63102 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 55 | $123K |
| Vision | VISION SERVICE PLAN | 348 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 365 | $169K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 365 | $187K |
| Other(5 contracts, 4 carriers) | THE BCS INSURANCE COMPANY | 1,345 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.