| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.03% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $657 | — | $657 | 2.61% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $619 | $619 | 2.46% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $412 | — | $412 | 3.04% |
| IL AUTO DEALERS ASSN3 | C/O MR PETER J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $303 | $303 | 2.24% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $331 | $331 | 2.49% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $271 | — | $271 | 2.04% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $433 | — | $433 | 4.13% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $349 | $349 | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $928 | — | $928 | 9.97% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE #300 ST. LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $468 | — | $468 | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $148 | $148 | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $463 | — | $463 | 8.35% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE #300 ST. LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $249 | — | $249 | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $107 | $107 | 1.93% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE GROUP | $130 | — | $130 | 3.15% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE GROUP | — | $97 | $97 | 2.35% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $77 | — | $77 | 2.39% |
| IL AUTO DEALERS ASSN3 | C/O MR. PETERS J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $71 | $71 | 2.21% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $220 | — | $220 | 11.21% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $57 | $57 | 2.90% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $64 | $64 | 3.46% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$219 | — | -$219 | -11.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INS CO EIN 86-0257201 ADMINISTRATOR | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $26K |
| INGENIORX, INC EIN 82-3062245 ADMINISTRATOR | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | -$8K |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 26 | $70K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 98 | $28K |
| Vision | ANTHEM LIFE INSURANCE COMPANY | 180 | $60K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 180 | $60K |
| Short-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 26 | $74K |
| Long-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 26 | $74K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE COMPANY | 180 | $60K |
| Other(9 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 181 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.