| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT GROUP INC3 Filed as: BRYANT GROUP INC. | 701 MARKET STREET STE 300 ST. LOUIS, MO 63101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 5.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MIDWEST | C/O BANK OF AMERICA CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | — | — | $0 | 0.00% |
| AMERICAN MEDICARE COUNSELORS3 | 1998 INNERBELT BUSINESS CENTER ST. LOUIS, MO 63144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 15.31% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 20.51% |
| BRYANT GROUP INC3 Filed as: BRYANT GROUP INC. | 701 MARKET STREET SUITE 1200 ST. LOUIS, MO 63101 | HARTFORD LIFE AND ACCIDENT | $261 | — | $261 | 6.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $980K |
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 | 717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 943 | $416K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY/EYEMED VISION CARE | 87 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 715 | $903K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 715 | $903K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 715 | $903K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 967 | $656K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 720 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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."
No prospect flags tripped on this filing.