| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT GROUP INC3 | 701 MARKET ST STE 1200 ST. LOUIS, MO 63101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | $10K | $59K | 6.62% |
| AMERICAN MEDICARE COUNSELORS3 | 1998 INNERBELT BUSINESS CENTER ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 15.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 24.02% |
| BRYANT GROUP INC3 | 701 MARKET STREET SUITE 1200 ST. LOUIS, MO 63101 | HARTFORD LIFE AND ACCIDENT | $261 | — | $261 | 6.01% |
| BRYANT GROUP INC3 | 701 MARKET ST STE 1200 ST. LOUIS, MO 63101 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $5 | $3 | $8 | 4.55% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | DEPT 75897 PO BOX 3900 SAN FRANCISCO, CA 94139 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $11K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $405K |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $4K |
| LOCKTON COMPANIES LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | $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 | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 986 | $404K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY/EYEMED VISION CARE | 839 | $46K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $895K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $895K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $895K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,015 | $745K |
| Other(6 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 745 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.