| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 3636 SOUTH GEYER RD SAINT LOUIS, MO 63127 | THE STANDARD | $14K | — | $14K | 13.94% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 SOUTH GEYER RD SUITE #110 SAINT LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 16.79% |
| SUNSTAR INSURANCE GROUP LLC3 | 3636 SOUTH GEYER RD SAINT LOUIS, MO 63127 | THE STANDARD | $8K | — | $8K | 12.33% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP | 3636 SOUTH GEYER RD SAINT LOUIS, MO 63127 | THE STANDARD | $6K | — | $6K | 12.57% |
| SUNSTAR INSURANCE GROUP LLC3 | 3660 SOUTH GEYER RD SAINT LOUIS, MO 63127 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.78% |
| SUNSTAR INSURANCE GROUP LLC3 | 3660 SOUTH GEYER RD SAINT LOUIS, MO 63127 | STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 14.61% |
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 | 343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 363 | $146K |
| Short-term disability(2 contracts) | THE STANDARD | 232 | $148K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD | 251 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.