| 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 | $7K | — | $7K | 5.74% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E. LAKEWOOD ST SPRINGFIELD, MO 65810 | ANICO | $11K | — | $11K | 10.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.85% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | GUARDIAN | $34K | — | $34K | 60.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 VENDOR | Claims processing Service code 12 | PO BOX 841653 DALLAS, TX 752841653 | $102K |
| MEDTRAK SERVICES EIN 36-4221427 VENDOR | Claims processing Service code 12 | 7101 COLLEGE BLVD SUITE 1000 OVERLAND PARK, KS 66210 | $31K |
| DELTA DENTAL EIN 43-0908349 VENDOR | Claims processing; Contract Administrator Service code 12 | PO BOX 790320 ST LOUIS, MO 63179 | $29K |
| EMPLOYEE BENEFIT DESIGN LLC EIN 43-1787778 VENDOR | Claims processing Service code 12 | 1125 E LAKEWOOD STREET SPRINGFIELD, MO 65810 | $11K |
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 | 535 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 535 | $115K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 128 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 535 | $115K |
| Stop-loss / reinsurancereinsurance | ANICO | 477 | $113K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 535 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.