| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUHLMANN FINANCIAL SERVICES INC3 Filed as: KUHLMANN FINANCIAL SERVICES INC. | 46 WINDCASTLE DR ST. CHARLES, MO 633040445 | HUMANA INSURANCE COMPANY | $7K | $500 | $7K | 3.75% |
| KUHLMANN FINANCIAL SERVICES INC3 Filed as: KUHLMANN FINANCIAL SERVICES | 46 WINDCASTLE ST CHARLES, MO 63304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.69% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $941 | $23K | 38.74% |
| KUHLMANN FINANCIAL SERVICES INC3 Filed as: KUHLMANN FINANCIAL SERVICES INC. | 46 WINDCASTLE ST CHARLES, MO 63304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 24.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 34.69% |
| KUHLMANN FINANCIAL SERVICES INC3 | 46 WINDCASTLE ST CHARLES, MO 63304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 23.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $967 | — | $967 | 2.89% |
| KUHLMANN FINANCIAL SERVICES INC3 | 46 WINDCASTLE ST CHARLES, MO 63304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $83 | $2K | 37.64% |
| KUHLMANN FINANCIAL SERVICES INC3 | 46 WINDCASTLE ST CHARLES, MO 63304 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 24.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | $152 | — | $152 | 2.99% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 314 | $197K |
| Vision | HUMANA INSURANCE COMPANY | 314 | $197K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $142K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 186 | $39K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $128K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
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.