| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $8K | $26K | 16.83% |
| JOHN S RENTSCHLER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 3.99% |
| HEMPSTEAD FNCL GRP LLC3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $639 | $77 | $716 | 0.54% |
| MICHAEL LIM BURETT MOUSER3 | 3610 BUTTONWOOD DRIVE SUITE 300 COLUMBIA, MO 65201 | NORTHWESTERN MUTUAL | $426 | $153 | $579 | 0.43% |
| ROBERT L SCHARFF3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $426 | $107 | $533 | 0.40% |
| MICHAEL CORRY3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $213 | $54 | $267 | 0.20% |
| PAUL FLOTKEN3 Filed as: PAUL E FLOTKEN | 168 NORTH MERAMEC AVENUE SUITE 300 SAINT LOUIS, MO 63105 | NORTHWESTERN MUTUAL | $213 | $54 | $267 | 0.20% |
| GWEN M MIDDEKE3 | 622 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | NORTHWESTERN MUTUAL | $213 | $54 | $267 | 0.20% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $152K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $152K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $152K |
| Long-term disability | NORTHWESTERN MUTUAL | 128 | $134K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $364K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
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.