| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD, SUITE 300 ST. LOUIS, WI 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $630 | $9K | 8.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.90% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD, SUITE 300 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $428 | $6K | 7.46% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD, SUITE 300 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $127 | $2K | 8.04% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $621 | — | $621 | 2.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $570 | — | $570 | 2.26% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.04% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $835 | — | $835 | 3.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD, SUITE 300 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $75 | $1K | 7.68% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $417 | — | $417 | 2.83% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | — | $415 | 2.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD, SUITE 300 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $969 | $85 | $1K | 7.45% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $447 | — | $447 | 3.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $360 | — | $360 | 2.54% |
| ALAN ROMAN4 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $159 | — | $159 | 3.16% |
| JOHN ROSSINI4 | 82 CARIBOU CT EUREKA, MO 63025 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $125 | — | $125 | 2.48% |
| IVAN NORTH4 | 1147 CLAYCREST CIR SAINT CHARLES, MO 63304 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $56 | — | $56 | 1.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD, SUITE 300 ST. LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $272 | $87 | $359 | 13.19% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 438 | $4.2M |
| Dental | DELTA DENTAL OF MISSOURI | 656 | $313K |
| Vision | ADVANTICA INSURANCE COMPANY | 667 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $110K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 50 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $87K |
| Other(7 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.