| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 SAINT LOUIS, KY 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $47K | $0 | $47K | 3.98% |
| ASSUREDPARTNERS3 | 100 EAST RIVERCENTER BOULEVARD SUITE 800 COVINGTON, KY 41011 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.25% |
| ASSUREDPARTNERS3 | 4435 MAIN STREET, 4TH FLOOR KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | $3K | $0 | $3K | 3.25% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $994 | $0 | $994 | 1.01% |
| ASSUREDPARTNERS3 | 404 WEST BROADWAY BOULEVARD SEDALIA, MO 65301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $14K | 14.99% |
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 SAINT LOUIS, MO 63141 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.10% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 279 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 306 | $99K |
| Vision | VISION SERVICE PLAN | 146 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $97K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 279 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.