| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVENUE, SUITE 300 ST. LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $41K | — | $41K | 1.97% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N. MERAMEC AVE STE 300 ST. LOUIS, MO 631053758 | UNITEDHEALTHCARE INSURANCE COMPANY | $913 | $2K | $3K | 0.78% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVE., SUITE 300 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $520 | $7K | 5.38% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVE., SUITE 300 ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.37% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERAMEC AVE., SUITE 300 ST. LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 9.72% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $299 | $299 | 19.97% |
| ENROLLEASE3 Filed as: CARAVUS | 168 N. MERAMEC AVE., SUITE 300 ST. LOUIS, MO 63105 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $225 | — | $225 | 15.03% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 367 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $122K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $378K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 141 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $57K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 166 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.