| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | HARTFORD LIFE AND ACCIDENT | $27K | $4K | $31K | 8.32% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, SUITE 1200 SAINT LOUIS, MO 63105 | HARTFORD LIFE AND ACCIDENT | -$1 | $1 | $0 | 0.00% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH BOULEVARD, SUITE 1200 SAINT LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | $0 | $132 | 3.30% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 2.50% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.17% |
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST STREET SAINT LOUIS, MO 63103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.15% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE BUILDING 400, SUITE 410 WAYNE, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 357 | $371K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 357 | $371K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 357 | $371K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 357 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.