| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | AFLAC | $77K | $4K | $82K | 27.10% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $21K | $49K | 17.61% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD ROAD, SUITE 300 ST. LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 3.25% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 651091794 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $18K | $45K | 24.98% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N. KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 631224042 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.33% |
| WALLSTREET FINANCIAL GROUP INC3 Filed as: WALLSTREET FINANCIAL GROUP INC. | 1530 RAX COURT JEFFERSON CITY, MO 651091794 | PRINCIPAL LIFE INSURANCE COMPANY | -$40 | — | -$40 | -0.02% |
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 | 762 | 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) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 737 | $579K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 737 | $277K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,123 | $181K |
| Short-term disability | AFLAC | 546 | $301K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,123 | $181K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 757 | $603K |
| Other(2 contracts, 2 carriers) | AFLAC | 1,123 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,123 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.