| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 8.38% |
| M2 ADVISORS DIRECT3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.39% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $610 | — | $610 | 0.58% |
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTRE PARKWAY SUITE 300 LITTLE ROCK, AR 72211 | STANDARD INSURANCE GROUP LLC | $9K | — | $9K | 12.62% |
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTRE PARKWAY SUITE 300 LITTLE ROCK, AR 72211 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 15.42% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 11.43% |
| M2 ADVISORS DIRECT3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $861 | — | $861 | 1.33% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $263 | — | $263 | 0.41% |
| SUNSTAR INSURANCE GROUP LLC3 | 10800 FINANCIAL CENTRE PARKWAY SUITE 300 LITTLE ROCK, AR 72211 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.22% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.77% |
| M2 ADVISORS DIRECT3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD LIFE INSURANCE COMPANY | $499 | — | $499 | 1.21% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 S GEYER RD ST LOUIS, MO 63127 | STANDARD LIFE INSURANCE COMPANY | $348 | — | $348 | 0.84% |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 302 | $172K |
| Short-term disability(2 contracts) | STANDARD INSURANCE GROUP LLC | 270 | $134K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 189 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.