| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.66% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | ANICO | $13K | — | $13K | 10.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.66% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 VENDOR | Claims processing Service code 12 | PO BOX 841653 DALLAS, TX 752841653 | $95K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 VENDOR | Claims processing; Contract Administrator Service code 12 | PO BOX 790320 ST LOUIS, MO 63179 | $29K |
| EMPLOYEE BENEFIT DESIGN EIN 43-1787778 VENDOR | Claims processing Service code 12 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | $12K |
| HCC BENEFITS CORPORATION EIN 35-1817054 VENDOR | Claims processing Service code 12 | 605 HIGHWAY 169 N MINNEAPOLIS, MN 55441 | $15 |
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 | 574 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 574 | $145K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 574 | $145K |
| Stop-loss / reinsurancereinsurance | ANICO | 490 | $131K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 574 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.