| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $66K | — | $66K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $7K | $17K | 12.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| FRANK I SCHELLINGERHOUT3 | 9 SUNNYFIELD ROAD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $619 | — | $619 | 1.53% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST. CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 0.48% |
| FREDERICK SCHAAF3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.37% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.35% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.35% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.32% |
| JASON J BRINK3 Filed as: JASON J. BRINK | 1120 SOUTH 6TH STREET SUITE 110 ST. LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.23% |
| JOHN STEVE ALLEY3 | 1012 CLAYTON DOUGLAS COURT CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.19% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.19% |
| MBBV INC3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.16% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOCIATES,LLC | 2 WHITE PINE COURT UNION, MO 63084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.13% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.10% |
| TY D MAYBERRY3 | 1265 FARRIS ROAD BOURBON, MO 65441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| DENZEL L CHAPMAN3 | 321 QUIET COUNTRY DRIVE ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA | $112 | — | $112 | 2.40% |
| NATIONAL CITY INSURANCE GROUP3 | 629 EUCLID AVENUE, 9TH FLOOR CLEVELAND, OH 44114 | TRANSAMERICA | $62 | — | $62 | 1.33% |
| CRAIG A LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA | $53 | — | $53 | 1.14% |
| ONE SOURCE EMPLOYEE BENEFITS3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA | $52 | — | $52 | 1.12% |
| 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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 275 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 297 | $137K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 297 | $137K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 297 | $142K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 182 | $40K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 297 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
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.