| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON SUITE 900 SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $34K | — | $34K | 2.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.23% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM & COMFORT | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MD 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $8K | $4K | $12K | 8.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $2K | — | $2K | 1.64% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $1K | — | $1K | 0.76% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM & COMFORT | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $309 | — | $309 | 0.22% |
| DAVID J MCCLELLAN3 Filed as: DAVID G BOYKIN | 1716 HIDDEN CREEK COURT TOWN AND COUNTRY, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | -$180 | — | -$180 | -0.13% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABA | 230 SOUTH BEMISTON AVENUE FLOOR 900 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 14.70% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABASH | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 195 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 196 | $142K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 196 | $142K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $52K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $52K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $52K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.