| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 2.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 1.25% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINNCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 1.23% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 13.47% |
| FRANK I SCHELLINGERHOUT3 | 9 SUNNYFIELD ROAD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| FREDERICK SCHAAF3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $708 | — | $708 | 1.35% |
| BRADLEY T VANDEGRIFFE3 | 1600 HERITAGE LANDING DRIVE SUITE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | — | $609 | 1.16% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST. CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 0.56% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 0.43% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 0.40% |
| JASON J BRINK3 Filed as: JASON J. BRINK | 1120 SOUTH 6TH STREET SUITE 110 ST. LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 0.31% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.23% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOCIATES,LLC | 2 WHITE PINE COURT UNION, MO 63084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.16% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.14% |
| TY D MAYBERRY3 | 1265 FARRIS ROAD BOURBON, MO 65441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.12% |
| DENZEL L CHAPMAN3 | 321 QUIET COUNTRY DRIVE ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.12% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA | $114 | — | $114 | 2.43% |
| NATIONAL CITY INSURANCE GROUP3 | 629 EUCLID AVENUE, 9TH FLOOR CLEVELAND, OH 44114 | TRANSAMERICA | $62 | — | $62 | 1.32% |
| CRAIG A LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA | $53 | — | $53 | 1.13% |
| ONE SOURCE EMPLOYEE BENEFITS3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA | $52 | — | $52 | 1.11% |
| MICHAEL C CHAPMAN3 | 2150 PORTWOOD WAY FT WORTH, TX 76179 | TRANSAMERICA | $6 | — | $6 | 0.13% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 258 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 291 | $123K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 291 | $123K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 291 | $127K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 179 | $52K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 179 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.