| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHER ROSENHEIM COMFORT & TABASH LL Filed as: MAHER, ROSENHEIM, COMFORT & TABASH | 230 S BEMISTON AVE #900 ST. LOUIS, MO 63105 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | $48K | $0 | $48K | 11.03% |
| WALTER G. STERN | 100 N. BROADWAY STE # 1170 ST. LOUIS, MO 631022709 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | $12 | $0 | $12 | 0.00% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 3.27% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.00% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 9.27% |
| AMERICAN MEDICARE COUNSELORS | 1829 BELTWAY DRIVE ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 9.27% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.00% |
| MRCT BENEFITS PLUS | 230 S. BEMISTON AVE, STE 900 ST. LOUIS, MO 63105 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $5K | $0 | $5K | 10.82% |
| MRCT BENEFITS PLUS | 230 S. BEMISTON AVE, STE 900 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA - CIGNA | $3K | $0 | $3K | 12.51% |
| WALTER G. STERN | 100 N. BROADWAY STE # 1170 ST. LOUIS, MO 631022709 | LIFE INSURANCE COMPANY OF NORTH AMERICA - CIGNA | $516 | $0 | $516 | 2.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFLEX HR RESOURCE, INC. EIN 43-1696316 CLAIMS PROCESSING & ADMIN | Claims processing Service code 12 | 805 SUNSET OFFICE DRIVE ST. LOUIS, MO 63127 | $5K |
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 | 451 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | 372 | $431K |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | 372 | $431K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 764 | $47K |
| Life insurance(3 contracts, 2 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | 441 | $861K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $209K |
| Prescription drug | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | 372 | $431K |
| Stop-loss / reinsurancereinsurance | CONNECTICUT GENERAL LIFE INSURANCE COMPANY FOR GREAT-WEST | 372 | $431K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.