| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 0.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 10.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.64% |
| BREEN, MARK F3 | 12940 STATE RD ROYALTON, OH 44133 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.05% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $97 | $2K | 4.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 ST. LOUIS, MO 63141 | UNUM INSURANCE COMPANY | $2K | — | $2K | 11.35% |
| BREEN, MARK F3 | 12940 STATE RD NORTH ROYALTON, OH 44133 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.83% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $98 | $2K | 10.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $204 | — | $204 | 1.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 ST. LOUIS, MO 63141 | UNUM INSURANCE COMPANY | $1K | — | $1K | 19.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL FEES | Contract Administrator; Other services; Participant communication; Claims processing; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Float revenue Service code 12 | — | $306K |
| LIFE INSURANCE COMPANY NORTH AMER EIN 23-1503749 FML/ADA ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $26K |
| ASSUREDPARTNERS OF MISSOURI, LLC MEDICAL BROKER | Insurance brokerage commissions and fees Service code 53 | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | $13K |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,391 | $477K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,391 | $477K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 847 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 655 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 655 | $162K |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 847 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,391 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.