| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE SUITE 300 SAINT LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $27K | — | $27K | 3.59% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE SUITE 300 SAINT LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $336 | $336 | 1.06% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 5.25% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $612 | $612 | 2.33% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 10.26% |
| IL AUTO DEALERS ASSN3 | C/O MR. JOE MCMAHON SPRINGFIELD, IL 62704 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $315 | $315 | 1.74% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $632 | — | $632 | 4.25% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $390 | $390 | 2.62% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $878 | — | $878 | 7.95% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $300 | $300 | 2.72% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $423 | — | $423 | 4.76% |
| IL AUTO DEALERS ASSN3 | C/O MR. JOE MCMAHON SPRINGFIELD, IL 62704 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $140 | $140 | 1.57% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE GROUP | $614 | — | $614 | 9.18% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE GROUP | — | $153 | $153 | 2.29% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $205 | — | $205 | 27.89% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS JEFFERSON CITY, MO 65102 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $14 | $14 | 1.90% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 18 | $86K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $32K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 146 | $782K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $32K |
| Short-term disability(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $118K |
| Long-term disability(7 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 18 | $87K |
| Other(8 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.