| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL ST. LOUIS, MO 63146 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $60K | $75K | 4.01% |
| AHM FINANCIAL GROUP LLC3 | 11975 WESTLINE INDUSTRIAL ST. LOUIS, MO 63146 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 15.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGY | 5905 E GALBRAITH RD STE 5000 CINCINATTI, OH 45236 | HARTFORD LIFE AND ACCIDENT | — | $765 | $765 | 0.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL ST LOUIS, MO 63146 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $1.9M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 41 | $24K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $80K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $80K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 41 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.