| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 SAINT LOUIS, MO 63141 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $104K | $118K | 3.67% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $12K | $30K | 16.86% |
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 SAINT LOUIS, MO 63141 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 8.27% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $195 | $0 | $195 | 0.85% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 398 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 398 | $3.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 517 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $180K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $180K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $180K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 398 | $3.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
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.