| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS K GNASTER Filed as: THOMAS W HANLEY | 1423 LOWDEN LANE MOUNT PROSPECT, IL 60056 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $72K | — | $72K | 3.00% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSRUANCE SERVICES INC | 353 NORTH CLARK ST CHICAGO, IL 60610 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $56K | — | $56K | 2.35% |
| CHRIS LIESE | 111 WESTPORT PLAZA, SUITE 600 SAINT LOUIS, MO 93146 | LIBERTY DENTAL PLAN OF MISSOURI, INC. | $14K | — | $14K | 5.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BARBARA REED EIN 43-0682781 EMPLOYEE | Plan Administrator Service code 14 | 12105 BRIDGETON SQUARE DR, STE 102 BRIDGETON, MO 63044 | $46K |
| RICHARD SALINARDI EIN 43-0682781 EMPLOYEE | Employee (plan) Service code 30 | 12105 BRIDGETON SQUARE DRIVE, SUITE BRIDGETON, MO 63044 | $29K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Consulting (general) Service code 10 | 8182 MARYLAND AVE, SUITE 900 ST LOUIS, MO 63105 | $27K |
| COMMERCE BANK EIN 48-0962626 NONE | Investment management; Custodial (securities) Service code 19 | 8000 FORSYTH, 4TH FLOOR ST. LOUIS, MO 63105 | $13K |
| P.T. DWYER NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 62 YORK DR. ST. LOUIS, MO 63144 | $5K |
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 | 865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL PLAN OF MISSOURI, INC. | 1,538 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,538 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.