| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN S RENTSCHLER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 3.67% |
| HEMPSTEAD FNCL GRP LLC3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $660 | $79 | $739 | 0.49% |
| MICHAEL LIM BURETT MOUSER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $440 | $158 | $598 | 0.40% |
| ROBERT L SCHARFF3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $440 | $111 | $551 | 0.37% |
| MICHAEL CORRY3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $220 | $55 | $275 | 0.18% |
| PAUL FLOTKEN3 Filed as: PAUL E FLOTKEN | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | NORTHWESTERN MUTUAL | $220 | $55 | $275 | 0.18% |
| GWEN M MIDDEKE3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $220 | $55 | $275 | 0.18% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DRIVE SUITE 200 COLUMBIA, MO 65203 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.17% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $11 | $4K | 4.60% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | — | $429 | $429 | 0.46% |
| 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 | 0.43% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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 |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $94K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $42K |
| Long-term disability | NORTHWESTERN MUTUAL | 112 | $150K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 103 | $260K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.