| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD, STE 200 ST. LOUIS, MO 63127 | SUNLIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.95% |
| BAC AGENCY, INC.5 Filed as: BAC AGENCY INC | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| THOMAS VIERS3 | 2031 CAPE LACROIX RD CAPE GIRARDEAU, MO 63701 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.89% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 162 | $342K |
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 129 | $63K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 129 | $63K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 152 | $15K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 152 | $15K |
| Prescription drug(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 162 | $342K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 162 | $342K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 162 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.