| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | CIGNA | $44K | — | $44K | 10.79% |
| CHARLES L CRANE AGENCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | HUMANA INC. | $12K | — | $12K | 6.66% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 ST LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $793 | $4K | 13.57% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 ST LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $947 | $3K | 15.27% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 189 | $412K |
| Dental | HUMANA INC. | 146 | $186K |
| Vision | HUMANA INC. | 146 | $186K |
| Life insurance | HUMANA INC. | 146 | $186K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.