| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDWEHR INSURANCE SERVICES INC3 Filed as: LANDWEHR INSURANCE SERVICES | DBA WINTER DENT AND COMPANY 101 E MCCARTY STREET JEFFERSON CITY, MO 65102 | COVENTRY HEALTH AND LIFE | $7K | — | $7K | 1.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC | 308 N. 21ST STREET ST. LOUIS, MO 63103 | COVENTRY HEALTH AND LIFE | $2K | — | $2K | 0.27% |
| LANDWEHR INSURANCE SERVICES INC3 | DBA WINTER DENT CO 101 E MCCARTY STREET JEFFERSON CITY, MO 651012913 | PRINCIPAL FINANCIAL GROUP | $4K | $52 | $4K | 7.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | PRINCIPAL FINANCIAL GROUP | $711 | — | $711 | 1.23% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 175 | $599K |
| Dental | PRINCIPAL FINANCIAL GROUP | 223 | $58K |
| Life insurance | PRINCIPAL FINANCIAL GROUP | 223 | $58K |
| Short-term disability | PRINCIPAL FINANCIAL GROUP | 223 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.