| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROLEY INSURANCE INC3 | PO BOX A G S SPRINGFIELD, MO 65808 | HEALTHY ALLIAN | $24K | — | $24K | 2.38% |
| ANDREA M CROLEY3 | PO BOX A G S SPRINGFIELD, MO 65808 | HEALTHY ALLIAN | — | $1 | $1 | 0.00% |
| CROLEY INSURANCE INC3 | 3705 E BATTLEFIELD ST SPRINGFIELD, MO 65809 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $5K | $22K | 12.97% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $166K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $166K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $166K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.