| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY INC | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $160K | — | $160K | 6.41% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | DELTA DENTAL OF MISSOURI | $18K | — | $18K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC-STL | 2345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | DELTA DENTAL OF MISSOURI | — | $829 | $829 | 0.44% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.38% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.02% |
| FIRST STATE INSURANCE AGENCY3 | 204 E LIBERTY FARMINGTON, MO 63640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 17.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 12444 POWERSCOURT DRIVE SUITE 500 ST LOUIS, MO 63131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.37% |
| FIRST STATE INSURANCE AGENCY3 | 204 E LIBERTY STREET FARMINGTON, MO 63640 | EYEMED VISION CARE | $5K | — | $5K | 11.54% |
| FIRST STATE INSURANCE AGENCY3 | 204 EAST LIBERTY STREET FARMINGTON, MO 63640 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| FIRST STATE INS AGENCY INC3 Filed as: FIRST STATE INS AGENCY | 204 EAST LIBERTY FARMINGTON, MO 63640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $939 | — | $939 | 13.11% |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 467 | $2.5M |
| Dental | DELTA DENTAL OF MISSOURI | 556 | $186K |
| Vision | EYEMED VISION CARE | 615 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 622 | $237K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 622 | $145K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 622 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.