| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS, LLC | 101 SOUTH HANLEY ROAD, SUITE 300 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $25K | $29K | 2.15% |
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $820 | $13K | $14K | 1.03% |
| TODD ORGANIZATION LLC3 Filed as: TODD ORGANIZATION, LLC | 101 SOUTH HANLEY ROAD SAINT LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.46% |
| ENROLLEASE3 Filed as: CARAVUS, LLC | 101 SOUTH HANLEY, SUITE 300 SAINT LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 7.73% |
| ASSUREDPARTNERS3 | 12645 OLIVE BOULEVARD, SUITE 300 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $64 | $4K | 4.86% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVENUE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $184 | — | $184 | 0.20% |
| THE THOMAS MORGAN GROUP INC3 Filed as: THE THOMAS MORGAN GROUP, INC. | 4 THE PINES COURT, SUITE F SAINT LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.00% |
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 | 100 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $92K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $92K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $92K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
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.