| 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 | $50K | — | $50K | 3.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 W CYPRESS CREEK ROAD #500 FORT LAUDERDALE, FL 33309 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $12K | — | $12K | 0.79% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $6K | $17K | 11.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.65% |
| JOSEPH R GUNTHER3 Filed as: JOSEPH R. GUNTHER | 710 ABBOTTSFORD COURT LAKE ST. LOUIS, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 0.96% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 0.69% |
| KORY L ALBRECHT3 | 5 ANNA DRIVE ST. CHARLES, MO 63304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.51% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.37% |
| JOSEPH KING3 | 1115 MISSOURI AVENUE KIRKWOOD, MO 63122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.37% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.35% |
| FRANK I SCHELLINGERHOUT3 | 9 SUNNYFIELD ROAD ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.34% |
| JOSEPH R GUNTHER3 | 7300 GAYOLA PLACE MAPLEWOOD, MO 63143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.27% |
| JASON J BRINK3 Filed as: JASON J. BRINK | 1120 SOUTH 6TH STREET SUITE 110 ST. LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.26% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.20% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.20% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOCIATES,LLC | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.14% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 ST. CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.12% |
| TY D MAYBERRY3 | 1120 SOUTH 6TH STREET SUITE 110 ST. LOUIS, MO 63104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| DENZEL L CHAPMAN3 | 321 QUIET COUNTRY DRIVE ST. PETERS, MO 63376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| JOHN A BACON3 | 11630 W. 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| JOHN STEVE ALLEY3 | 1012 CLAYTON DOUGLAS COURT CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| MBBV INC3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| FREDERICK SCHAAF3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA | $72 | — | $72 | 1.94% |
| NATIONAL CITY INSURANCE GROUP3 | 629 EUCLID AVENUE, 9TH FLOOR CLEVELAND, OH 44114 | TRANSAMERICA | $57 | — | $57 | 1.54% |
| CRAIG A LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA | $52 | — | $52 | 1.40% |
| ONE SOURCE EMPLOYEE BENEFITS3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA | $52 | — | $52 | 1.40% |
| MICHAEL C CHAPMAN3 | 2150 PORTWOOD WAY FT WORTH, TX 76179 | TRANSAMERICA | $6 | — | $6 | 0.16% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 318 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 305 | $146K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 305 | $146K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 305 | $150K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 186 | $34K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 305 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
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.