| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 9.07% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 17.64% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.80% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | THE HARTFORD | $411 | — | $411 | 2.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC BENEFITS CORPORATION EIN 35-1817054 VENDOR | Claims processing Service code 12 | 605 HIGHWAY 169 N MINNEAPOLIS, MN 55441 | $119K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 VENDOR | Claims processing Service code 12 | PO BOX 841653 DALLAS, TX 752841653 | $87K |
| MEDTRAK SERVICES EIN 36-4221427 VENDOR | Claims processing Service code 12 | 7101 COLLEGE BLVD SUITE 1000 OVERLAND PARK, KS 66210 | $36K |
| DELTA DENTAL EIN 43-0908349 VENDOR | Claims processing Service code 12 | PO BOX 790320 ST. LOUIS, MO 63179 | $27K |
| EMPLOYEE BENEFIT DESIGN EIN 43-1787778 VENDOR | Claims processing Service code 12 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | $12K |
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 | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $30K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $155K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.