| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE CONSULTING INC.3 Filed as: LESLIE CONSULTING INC | 1049 POLO DOWNS DR. TOWN AND COUNTRY, MO 63017 | SYMETRA LIFE INSURANCE COMPANY | $47K | — | $47K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHLINK INC EIN 43-1364135 VENDOR-NETWORK ADMIN | Contract Administrator Service code 13 | 1831 CHESTNUT STREET ST LOUIS, MO 63103 | $5K |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 331 | $187K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 331 | $187K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 331 | $187K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 229 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.