| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PKWY E. BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 10.00% |
| GOLDFINCH HEALTH LLC5 | 1903B EXPOSITION BLVD AUSTIN, TX 78703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 9.80% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.46% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $648 | $648 | 1.17% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $768 | $768 | 1.40% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | ZURICH AMERICAN INSURANCE CO | $861 | — | $861 | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE CO | — | $861 | $861 | 14.99% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | 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 | 19 | $224K |
| Vision | VISION SERVICE PLAN | 349 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $131K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $55K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 390 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.