| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZNTH BENEFITS CONSULTING3 | 325 NORTH KIRKWOOD ROAD SUITE 303 ST. LOUIS, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.64% |
| ZNTH BENEFITS CONSULTING3 | 325 NORTH KIRKWOOD ROAD SUITE 303 ST. LOUIS, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $13K | $41K | 13.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.3M |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 VENDOR | Employee (plan) Service code 30 | PO BOX 87-0195 KANSAS CITY, MO 641870195 | $65K |
| CATAMARAN EIN 88-0361447 VENDOR | Other services Service code 49 | 800 KING FARM BLVD. 4TH FLOOR ROCKVILLE, MD 20850 | $39K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | $0 |
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 | 1,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 1,924 | $376K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 1,924 | $376K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,250 | $688K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 1,924 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,250 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.