| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $19K | — | $19K | 1.90% |
| JOHN S RENTSCHLER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $4K | $997 | $5K | 3.43% |
| HEMPSTEAD FNCL GRP LLC3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $794 | $70 | $864 | 0.60% |
| BRYAN JAMES HICKEY3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $652 | $154 | $806 | 0.56% |
| ROBERT L SCHARFF3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $391 | $90 | $481 | 0.34% |
| MICHAEL CORRY3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $196 | $45 | $241 | 0.17% |
| PAUL FLOTKEN3 Filed as: PAUL E FLOTKEN | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | NORTHWESTERN MUTUAL | $196 | $45 | $241 | 0.17% |
| GWEN M MIDDEKE3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $196 | $45 | $241 | 0.17% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DRIVE SUITE 200 COLUMBIA, MO 65203 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.13% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.95% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 100 | $997K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $114K |
| Life insurance | STANDARD INSURANCE COMPANY | 114 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL | 116 | $143K |
| Other | STANDARD INSURANCE COMPANY | 114 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.