| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON SUITE 900 SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPAMY | $20K | — | $20K | 2.05% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON SUITE 900 SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPAMY | $2K | — | $2K | 0.20% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM COMFORT & TABA | 230 SOUTH BEMISTON AVENUE FLOOR 900 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.36% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 Filed as: MAHER ROSENHEIM & COMFORT | 230 SOUTH BEMISTON SUITE 900 CLAYTON, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 17.34% |
| DAN R BREWER3 | 9128 GRANT PARK DRIVE SAINT LOUIS, MO 63123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID G BOYKIN | 4 IVANHOE WOODS COURT KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.03% |
| DAVID MURPHY3 | 209 PULLMEN PLACE SUITE 100 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.02% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $593 | $2 | $595 | 10.58% |
| MAHER ROSENHEIM COMFORT & TABASH LL3 | 230 SOUTH BEMISTON AVENUE SUITE 900 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 5.13% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPAMY | 158 | $977K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $37K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $37K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.