| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | PO BOX 2153 BIRMINGHAM, AL 35287 | UNION SECURITY INSURANCE COMPANY | $232K | $19K | $250K | 16.53% |
| RIVER FORD CORPORATION3 | PO BOX 4208 SPRINGFIELD, MO 65808 | UNION SECURITY INSURANCE COMPANY | $154K | — | $154K | 10.19% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE CO. | $140K | — | $140K | 11.97% |
| RIVER FORD CORPORATION3 | 2740 N MAYFAIR AVENUE SPRINGFIELD, MO 65803 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $107K | — | $107K | 10.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Other fees; Contract Administrator; Float revenue Service code 12 | — | $2.2M |
| HMO MISSOURI, INC. EIN 37-1216698 ADMINISTRATOR | Other fees; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $202K |
| COMPSYCH CORPORATION EIN 36-3739783 ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
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 | 2,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,714 | $1.1M |
| Vision | VISION SERVICE PLAN | 2,079 | $362K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 2,188 | $1.6M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 1,759 | $1.5M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,759 | $1.5M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE CO. | 4,985 | $1.2M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 2,188 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,985 | — |
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.