| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 EAST SOUTHAMPTON DRIVE SUITE 200 COLUMBIA, MO 65203 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 4.60% |
| THE INSURANCE GROUP3 | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.42% |
| JOHN S RENTSCHLER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | — |
| HEMPSTEAD FNCL GRP LLC3 Filed as: HEMPSTEAD FINANCIAL GROUP LLC | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $788 | $72 | $860 | — |
| MICHAEL LIM BURETT MOUSER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $647 | $162 | $809 | — |
| ROBERT L SCHARFF3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $388 | $91 | $479 | — |
| MICHAEL CORRY3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $194 | $45 | $239 | — |
| PAUL FLOTKEN3 Filed as: PAUL E FLOTKEN | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | NORTHWESTERN MUTUAL | $194 | $45 | $239 | — |
| GWEN M MIDDEKE3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $194 | $45 | $239 | — |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 94 | $106K |
| Vision | UNION SECURITY INSURANCE COMPANY | 94 | $106K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $43K |
| Long-term disability | NORTHWESTERN MUTUAL | 0 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 101 | $244K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 113 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.