| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 Filed as: SPETNER & ASSOCIATES | 8630 DELMAR ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $834 | — | $834 | 1.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR BLVD SUITE 100 ST. LOUIS, MO 631242208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $826 | — | $826 | 1.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR BLVD STE 100 ST. LOUIS, MO 631242208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER AND ASSOCIATES | 8630 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $850 | — | $850 | 10.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER & ASSOCIATES | 8630 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | $0 | $283 | 9.99% |
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 | 2,339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,339 | $20K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,929 | $166K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,339 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,339 | — |
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.