| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE BEATTIE & ASSOCIATES INC3 Filed as: BRUCE A BEATTIE & ASSOCIATES | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $16K | $2K | $18K | 10.55% |
| BEATTIE & ASSOC INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $162 | $6K | 14.25% |
| BEATTIE & ASSOC INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $159 | $4K | 11.32% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $93 | $1K | 8.00% |
| BRUCE BEATTIE & ASSOCIATES INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.50% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $104 | $1K | 11.73% |
| BRUCE BEATTIE & ASSOCIATES INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 10.22% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER STE 800 SOUTHFIELD, MI 48075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.97% |
| LOVELACE, JOHN, E3 | 2613 HAMPTON RD ST CHARLES, MO 63303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.64% |
| BEATTIE & ASSOC INC3 Filed as: BEATTIE & ASSOCIATES INC | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | $26 | $622 | 10.44% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | — |
| BEATTIE & ASSOC INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $42 | $42 | — |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 500 | $172K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $36K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 370 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.