| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 7.82% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $11K | 19.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | VISION SERVICE PLAN | $2K | — | $2K | 4.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $934 | $241 | $1K | 18.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | — | $611 | $611 | 12.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $242K |
| OPTUM BANK EIN 47-0858534 NONE | Other insurance fees and expenses Service code 73 | — | $6K |
| ASSUREDPARTNERS OF MISSOURI LLC EIN 80-0948154 BROKER | Other commissions Service code 55 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | $0 |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $127K |
| Vision | VISION SERVICE PLAN | 289 | $39K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $70K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $43K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.