| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N MERAMEC AVE, STE 300 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $6K | $22K | 11.33% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N MERAMEX AVE, STE 300 SAINT LOUIS, MO 63105 | DELTA DENTAL OF MISSOURI | $5K | $849 | $6K | 4.01% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N MERAMEC AVE, STE 300 SAINT LOUIS, MO 63105 | ADVANTICA INSURANCE COMPANY | $2K | $96 | $2K | 10.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 TPA-RECORDKEEPER | Plan Administrator Service code 14 | 2806 S GARFIELD ST MISSOULA, MT 59801 | $63K |
| H&H HEALTH ASSOC TPA | Employee (plan) Service code 30 | 3660 S. GEYER RD SUITE 100 ST. LOUIS, MO 63127 | $7K |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $368K |
| Dental | DELTA DENTAL OF MISSOURI | 455 | $147K |
| Vision | ADVANTICA INSURANCE COMPANY | 332 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $195K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $195K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $195K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $368K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 328 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
No prospect flags tripped on this filing.