| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP LLC NCB-88 | PO BOX 1414 MINNEAPOLIS, MN 63119 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 4.12% |
| THE CORNERSTONE INSURANCE GROUP LLC3 | PO BOX 419151 ST. LOUIS, MO 63141 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.89% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: THE CORNERSTE INSURANCE | 721 EMERSON RD,STE 500 ST LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $695 | — | $695 | 0.51% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON, STE 500 ST LOUIS, MO 63141 | ADVANTICA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $643K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $107K |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 672 | $136K |
| Vision | ADVANTICA INSURANCE COMPANY | 471 | $26K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 313 | $241K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 313 | $241K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 279 | $389K |
| Other | AETNA LIFE INSURANCE COMPANY | 313 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.