| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE | — | $8K | $8K | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 12980 METCALF, STE 500 OVERLAND PARK, KS 66213 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS & BROKERS | UNKNOWN CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| FRANK I SCHELLINGERHOUT3 Filed as: FRANK SCHELLINGERHOUT | 9 SUNNYFIELD RD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.79% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 5051 JOSHUA DR WENTZVILLE, MO 63385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.25% |
| MICHAEL ELLIS3 | 1600 HERITAGE, STE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $585 | — | $585 | 1.47% |
| SHARON K BERKEL MASTERS3 Filed as: SHARON BERKEL | 8 WESTWOOD ESTATES DR ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $564 | — | $564 | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 10 S LASALLE ST, STE 3000 CHICAGO, IL 60603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 1.32% |
| FREDERICK SCHAAF3 | 1795 CLARKSON RD, STE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $346 | — | $346 | 0.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH, FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 12980 METCALF, STE 500 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.59% |
| USI INSURANCE SERVICES LLC3 | 308 N 21ST ST, STE 100 ST. LOUIS, MO 63103 | UNITEDHEALTHCARE INSURANCE COMPANY | $394 | — | $394 | 4.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC. | 5700 W 112TH ST, STE 100 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $310 | — | $310 | 3.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 308 N 21ST ST ST. LOUIS, MO 63103 | UNITEDHEALTHCARE INSURANCE COMPANY | $215 | — | $215 | 2.34% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE | 202 | $915K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 154 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $32K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $32K |
| Prescription drug | AETNA LIFE INSURANCE | 202 | $915K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 162 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.