| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMON COMPANY3 | 701 MARKET STREET, SUITE 300 ST. LOUIS, MO 63101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.00% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.99% |
| BRYANT GROUP INC3 Filed as: BRYANT GROUP INC. | 701 MARKET STREET, SUITE 1200 ST. LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.91% |
| BRYANT GROUP INC3 Filed as: BRYANT GROUP INC. | 701 MARKET STREET, SUITE 1200 ST. LOUIS, MO 63101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.63% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $168K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $168K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $111K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.