| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $21K | 15.91% |
| JOHN S RENTSCHLER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 4.78% |
| HEMPSTEAD FNCL GRP LLC3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $625 | $75 | $700 | 0.64% |
| MICHAEL LIM BURETT MOUSER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $416 | $150 | $566 | 0.52% |
| ROBERT L SCHARFF3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $417 | $105 | $522 | 0.48% |
| MICHAEL CORRY3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $208 | $52 | $260 | 0.24% |
| PAUL FLOTKEN3 Filed as: PAUL E FLOTKEN | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | NORTHWESTERN MUTUAL | $208 | $52 | $260 | 0.24% |
| GWEN M MIDDEKE3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $208 | $52 | $260 | 0.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $663 | $83 | $746 | — |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | $270 | $602 | — |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC D/B/A HUNTLEIGH MCGEHEE | 8235 FORSYTH BOULEVARD SUITE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $500 | $500 | — |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $133K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $133K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $133K |
| Long-term disability | NORTHWESTERN MUTUAL | 104 | $109K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $228K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.