| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD SUITE 300 SAINT LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $66K | $12K | $78K | 4.91% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 100 E RIVERCENTER BLVD SUITE 800 COVINGTON, KY 41011 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $4K | $4K | 0.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OD MISSOURI LLC | 12645 OLIVE BLVD SUITE 300 SAINT LOUIS, MO 63141 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 13.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 100 E RIVERVENTER BLVD #800 COVINGTON, KY 41011 | ANTHEM LIFE INSURANCE COMPANY | — | $428 | $428 | 1.03% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 153 | $1.6M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 153 | $1.6M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 153 | $1.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 180 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.