| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 167 LAMP AND LANTERN VLG STE 276 CHESTERFIELD, MO 63017 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $64K | $67K | 3.74% |
| CAMMON COMPANY3 | 701 MARKET ST STE 300 SAINT LOUIS, MO 63101 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $13K | $14K | 0.80% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 167 LAMP AND LANTERN VLG STE 276 CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.23% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 167 LAMB AND LANTERN VLG STE 276 CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.37% |
| KAMMER & ASSOCIATES, INC.3 Filed as: KAMMER & ASSOCIATES INC | 167 LAMP AND LANTERN VLG STE 276 CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $354 | — | $354 | 14.29% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 325 | $1.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $53K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
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.