| 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 | $19K | $972 | $20K | 10.47% |
| BEATTIE & ASSOC INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 15.52% |
| BEATTIE & ASSOC INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.08% |
| BRUCE BEATTIE & ASSOCIATES INC3 Filed as: BRUCE A BEATTIE & ASSOCIATES | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | ADVANTICA INSURANCE COMPANY | $3K | $135 | $3K | 10.48% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $98 | $1K | 9.59% |
| BRUCE BEATTIE & ASSOCIATES INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $829 | $0 | $829 | 5.46% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.01% |
| BLOCK, CHARLES, D3 | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.01% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $971 | $78 | $1K | 10.52% |
| BRUCE BEATTIE & ASSOCIATES INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $532 | $0 | $532 | 5.34% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER STE 800 SOUTHFIELD, MI 48075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.76% |
| LOVELACE, JOHN, E3 | 2613 HAMPTON RD ST CHARLES, MO 63303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.51% |
| BEATTIE & ASSOC INC3 Filed as: BEATTIE & ASSOCIATES INC | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $643 | $179 | $822 | 12.79% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | — |
| BEATTIE & ASSOC INC3 | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $288 | $288 | — |
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 | 381 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 518 | $187K |
| Vision | ADVANTICA INSURANCE COMPANY | 379 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $39K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.