| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $32K | $32K | 7.04% |
| USI INSURANCE SERVICES LLC3 | 13075 MANCHESTER ROAD, SUITE 325 ST LOUIS, MO 63131 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 2.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $5K | $1K | $6K | 11.56% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINANTI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $885 | $0 | $885 | 7.14% |
| MJ INSURANCE3 Filed as: CHRISTINA AMMONS AND VARIOUS AGENTS | 6909 SPRING PARK DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $774 | $0 | $774 | 6.25% |
| JENNIFER S. HALL3 | 1566 HIGHWAY 28 OWENSVILLE, MO 65066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | $0 | $543 | 4.38% |
| KELLEY A BAX3 Filed as: KELLEY A. BAX | 1303 MEHMERT PLACE JEFFERSON, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539 | $0 | $539 | 4.35% |
| CHAD M POSTON3 Filed as: CHAD M. POSTON | 2101 WEST BROADWAY, SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | $0 | $231 | 1.86% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | $0 | $200 | 1.61% |
| ERICA R ASHLEY3 Filed as: ERICA R. ASHLEY | 2721 INDUSTRIAL DRIVE JEFFERSON, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | $0 | $188 | 1.52% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | ADVANTICA INSURANCE COMPANY | $987 | $299 | $1K | 13.39% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 89 | $453K |
| Dental | DELTA DENTAL OF MISSOURI | 129 | $55K |
| Vision | ADVANTICA INSURANCE COMPANY | 129 | $10K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 348 | $12K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 348 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 89 | $453K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 348 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.