| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | 2020 INNOVATION COURT DE PERE, WI 54115 | ALL SAVERS INSURANCE COMPANY | — | $58K | $58K | 11.74% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 101 S. HANLEY RD. STE. 300 CLAYTON, MO 631053406 | ALL SAVERS INSURANCE COMPANY | $37K | — | $37K | 7.46% |
| TODD ORGANIZATION LLC3 Filed as: TODD ORGANIZATIONS, LLC | 101 S. HANLEY RD. ST. LOUIS, MO 63105 | ALL SAVERS INSURANCE COMPANY | $640 | — | $640 | 0.13% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 168 N. MERACEC AVE. SUITE 300 ST. LOUIS, MO 63105 | GUARDIAN | $23K | $2K | $25K | 13.32% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVE. GUNTERSVILLE, AL 35976 | GUARDIAN | $2K | — | $2K | 0.99% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALL SAVERS INSURANCE COMPANY | 112 | $495K |
| Dental | GUARDIAN | 150 | $188K |
| Vision | GUARDIAN | 150 | $188K |
| Life insurance | GUARDIAN | 150 | $188K |
| Short-term disability | GUARDIAN | 150 | $188K |
| Long-term disability | GUARDIAN | 150 | $188K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 112 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.