| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMON COMPANY3 | 701 MARKET ST STE 300 SAINT LOUIS, MO 63101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 4.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MIDWEST | C/O BANK OF AMERICA CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | — | — | $0 | 0.00% |
| CAMMON COMPANY | 701 MARKET ST ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 5.18% |
| BRYANT GROUP INC Filed as: BRYANT PLANNING GROUP INC | 701 MARKET ST STE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 4.40% |
| R & B FINANCIAL SERVICES INC | 168 N MERAMEC AVE STE 300 ST LOUIS, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.51% |
| THE JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.02% |
| PECK FINANCIAL SERVICES INC Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| AMERICAN MEDICARE COUNSELORS3 | 1998 INNERBELT BUSINESS CENTER ST. LOUIS, MO 63144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 14.76% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DR STE 900 ST. LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | — | $31K | $31K | 20.51% |
| CAMMON COMPANY | 701 MARKET ST STE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $286 | $2K | 6.59% |
| M FINANCIAL HOLDINGS INC | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $582 | $582 | 2.16% |
| CAMMON COMPANY | 701 MARKET ST STE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $10K | $13K | 126.78% |
| M FINANCIAL HOLDINGS INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $400 | $400 | 3.97% |
| CAMMON COMPANY | 701 MARKET ST STE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $570 | $333 | $903 | 10.47% |
| BRYANT GROUP INC Filed as: BRYANT PLANNING GROUP INC | 701 MARKET ST STE 300 ST LOUIS, MO 63101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $570 | — | $570 | 6.61% |
| M FINANCIAL HOLDINGS INC | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97029 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $213 | $213 | 2.47% |
| CAMMON COMPANY3 | 701 MARKET ST STE 300 SAINT LOUIS, MO 63101 | SUN LIFE AND HEALTH INSURANCE COMPANY | $50 | — | $50 | 0.99% |
| CAMMON COMPANY3 | 701 MARKET ST STE 300 SAINT LOUIS, MO 63101 | SUN LIFE AND HEALTH INSURANCE COMPANY | $44 | — | $44 | 0.89% |
| BRYANT GROUP INC Filed as: BRYANT GROUP INC. | 701 MARKET STREET SUITE 1200 ST. LOUIS, MO 63101 | HARTFORD LIFE AND ACCIDENT | $261 | — | $261 | 6.01% |
| R & B FINANCIAL SERVICES INC | 168 N MERAMEC AVE STE 300 ST. LOUIS, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 5.01% |
| R & B FINANCIAL SERVICES INC | 168 N MERAMEC AVE STE 300 ST LOUIS, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $317K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 13655 RIVERPORT DR MARYLAND HEIGHTS, MO 63043 | $587 |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 906 | $417K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY/EYEMED VISION CARE | 791 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 753 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 753 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 753 | $1.1M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 917 | $662K |
| Other(13 contracts, 7 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 790 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.