| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $39K | — | $39K | 3.53% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL INSURANCE AGENCY | 700 DISTRICT AVENUE, SUITE 900 BURLINGTON, MA 01803 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $8K | — | $8K | 0.72% |
| AHM FINANCIAL GROUP LLC3 Filed as: AHM FINANCIAL GROUP, LLC | 11975 WESTLINE INDUSTRIAL DRIVE ST. LOUIS, MO 63146 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 500 N. BRAND BLVD. #1600 GLENDALE, CA 91203 | FEDERAL INSURANCE COMPANY | $628 | — | $628 | 15.01% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 219 | $1.1M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 219 | $1.1M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 219 | $1.1M |
| Other | FEDERAL INSURANCE COMPANY | 118 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.