| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMON COMPANY3 | 701 MARKET ST STE 300 SAINT LOUIS, MO 63101 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $81K | $88K | 4.26% |
| CAMMON COMPANY3 | 701 MARKET STREET SUITE 300 ST LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 18.99% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 1651 ANSONBOROUGH DRIVE CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $922 | — | $922 | 1.34% |
| CAMMON COMPANY3 | 701 MARKET STREET SUITE 300 ST LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 19.27% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 1651 ANSONBOROUGH DRIVE CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $513 | — | $513 | 1.41% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 167 LAMP AND LANTERN VLG PMB 276 CHESTERFIELD, MO 63017 | AETNA INTERNATIONAL | $552 | — | $552 | 15.00% |
| CAMMON COMPANY3 | 701 MARKET STREET SUITE 300 ST LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $607 | — | $607 | 19.03% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 1651 ANSONBOROUGH DRIVE CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | — | $43 | 1.35% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 343 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $69K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.