| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DR COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $35K | $0 | $35K | 4.49% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $39K | $10 | $39K | 5.02% |
| RICHARD MILLER3 | 200 SOUTHAMPTON COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.00% |
| JASON S SWINDLE3 | 200 E SOUTHAMPTON COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC. | 200 EAST SOUTHAMPTON RD COLUMBIA, MO 65203 | DELTA DENTAL OF MISSOURI | $3K | $0 | $3K | 5.89% |
| BRUCE BEATTIE & ASSOCIATES INC3 Filed as: BRUCE BEATTIE & ASSOCIATES, INC. | 16666 OLD CHESTERFIELD RD CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $957 | $0 | $957 | 2.00% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC. | 200 SOUTHAMPTON DR COLUMBIA, MO 65203 | ADVANTICA INSURANCE COMPANY | $852 | $0 | $852 | 8.26% |
| BRUCE BEATTIE & ASSOCIATES INC3 Filed as: BRUCE BEATTIE & ASSOCIATES INC. | 16666 OLD CHESTERFIELD ROAD CHESTERFIELD, MO 63017 | ADVANTICA INSURANCE COMPANY | $179 | $0 | $179 | 1.74% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 111 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 170 | $48K |
| Vision | ADVANTICA INSURANCE COMPANY | 118 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.