| 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 | -$49 | — | -$49 | -0.03% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10315 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 17.00% |
| 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 | $2K | — | $2K | 4.39% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 N. BROADWAY ST. LOUIS, MO 63102 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10315 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 16.98% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY | 100 N. BROADWAY ST. LOUIS, MO 63102 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 14.98% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 54 | $165K |
| Vision | VISION SERVICE PLAN | 347 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 359 | $159K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 359 | $159K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 338 | $115K |
| Other(4 contracts, 3 carriers) | COMPANION LIFE COLUMBIA, SC | 1,322 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,322 | — |
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.