| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 200 S HAMPTON DR COLUMBIA, MO 65203 | STANDARD INSURANCE COMPANY | $7K | $634 | $8K | 11.59% |
| SUNSTAR INSURANCE GROUP LLC3 | 200 S HAMPTON DR COLUMBIA, MO 65203 | STANDARD INSURANCE COMPANY | $7K | $623 | $8K | 13.54% |
| SUNSTAR INSURANCE GROUP LLC3 | 200 SHAMPTON DR COLUMBIA, MO 65203 | STANDARD LIFE INSURANCE COMPANY | $4K | $404 | $4K | 9.89% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 SOUTH GEYER RD #110 SAINT LOUIS, MO 63127 | THE STANDARD | $3K | — | $3K | 12.44% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 SOUTH GEYER RD #110 SAINT LOUIS, MO 63127 | THE STANDARD | $4K | — | $4K | 14.11% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 SOUTH GEYER RD #110 SAINT LOUIS, MO 63127 | THE STANDARD | $2K | — | $2K | 10.61% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 305 | $86K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 270 | $97K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE COMPANY | 198 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.