| 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 | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | $50K | — | $50K | 10.60% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.00% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.00% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.67% |
| AMERICAN MEDICARE COUNSELORS | 1829 BELTWAY DRIVE ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.67% |
| WALTER G. STERN | 37 BRIARCLIFF ST. LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $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 | $4K | — | $4K | 8.34% |
| MAHER ROSENHEIM COMFORT & TABASH LL Filed as: MAHER, ROSENHEIM, COMFORT & TABASH | 230 S. BEMISTON AVE, STE 900 ST. LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 540 | $474K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 540 | $474K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 788 | $49K |
| Life insurance(3 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 540 | $914K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $216K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 540 | $474K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY (CIGNA) | 540 | $474K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 444 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.