| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 Filed as: SPETNER AND ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 8.95% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER & ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 4.04% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER & ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER AND ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.69% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER & ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $983 | — | $983 | 10.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER & ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $354 | — | $354 | 10.01% |
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 | 1,883 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,883 | $271K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 929 | $251K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,562 | $126K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 683 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,883 | — |
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.