| 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 | $25K | — | $25K | 9.21% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N MERAMEX AVE, STE 300 SAINT LOUIS, MO 63105 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 3.77% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N MERAMEC AVE, STE 300 SAINT LOUIS, MO 63105 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 TPA-RECORDKEEPER | Plan Administrator; Other services; Direct payment from the plan Service code 14 | 2806 S GARFIELD ST MISSOULA, MT 59801 | $77K |
| ALLEGIANCE CASE MANAGEMENT, INC EIN 03-0507057 TPA | Plan Administrator; Direct payment from the plan Service code 14 | 2806 S GARFIELD ST, P.O. BOX 3018 MISSOULA, MT 598063018 | $0 |
| CARAVUS, LLC INSURANCE BROKER | Insurance agents and brokers; Other services Service code 22 | 168 N MERAMEC AVE, STE 300 ST. LOUIS, MO 63105 | $0 |
| CIGNA NETWORK TPA-VENDOR-NETWORK ADMIN | Plan Administrator; Other services Service code 14 | 900 COTTAGE ROAD HARTFORD, CT 06152 | $0 |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 534 | $191K |
| Vision | ADVANTICA INSURANCE COMPANY | 418 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $267K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $267K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $267K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 233 | $677K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.