| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 4.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.73% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD SUITE 300 SAINT LOUIS, MO 63141 | VISION SERVICE PLAN | $2K | — | $2K | 4.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 1264 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $212K |
| ASSUREDPARTNERS OF MISSOURI LLC EIN 80-0948154 BROKER | Other commissions Service code 55 | 12645 OLIVE BLVD SUITE 300 SAINT LOUIS, MO 63141 | $90K |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $208K |
| Vision | VISION SERVICE PLAN | 267 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 447 | $222K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $58K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 331 | $831K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 447 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.