| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST CHOICE INSURANCE AGENCY3 Filed as: FIRST CHOICE INSURANCE AGENCY INC. | 3427 WILLIAM STREET CAPE GIRARDEAU, MO 63701 | NATIONWIDE LIFE INSURANCE COMPANY | $63K | — | $63K | 11.25% |
| FIRST CHOICE INSURANCE AGENCY3 | 1359 N WESTWOOD BLVD POPLAR BLUFF, MO 63901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.78% |
| FIRST CHOICE INSURANCE AGENCY3 | 18 WEST SAINT MARIES ST. STE 1 PERRYVILLE, MO 63775 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $388 | — | $388 | 1.64% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MO, LLC | 11975 WESTLINE IND DR. ST. LOUIS, MO 63146 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $349 | — | $349 | 1.47% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DR. CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 0.48% |
| PREFERRED RESOURCE NETWORK, INC.3 | 9735 LANDMARK PARKWAY DR. SUITE 17 ST. LOUIS, MO 63127 | PREFERRED RESOURCE NETWORK, INC. | — | $9K | $9K | — |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $561K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $561K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $561K |
| Short-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $561K |
| Long-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $561K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $561K |
| Other(3 contracts, 3 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 414 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.