| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $7K | — | $7K | 2.19% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE SAINT LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $633 | $633 | 1.93% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.12% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $670 | $670 | 2.34% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $436 | — | $436 | 2.80% |
| IL AUTO DEALERS ASSN3 | C/O MR PETER J SANDER EXEC VP SPRINGFIELD, IL 62704 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $381 | $381 | 2.45% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $892 | — | $892 | 6.14% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $408 | $408 | 2.81% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $272 | $272 | 2.61% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$113 | — | -$113 | -1.08% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $611 | — | $611 | 6.54% |
| IL AUTO DEALERS ASSN3 | C/O MR. PETER J SANDER EXEC VP SPRINGFIELD, IL 62704 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $154 | $154 | 1.65% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE GROUP | — | $138 | $138 | 2.18% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE GROUP | -$8 | — | -$8 | -0.13% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $57 | $57 | 2.54% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$300 | — | -$300 | -13.39% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $82 | $82 | 3.75% |
No Schedule C service providers reported on this filing.
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $571K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $33K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $33K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $33K |
| Short-term disability(9 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $122K |
| Long-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 23 | $89K |
| Other(8 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.