| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 | PO BOX 5750 SPRINGIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $78K | $78K | 8.00% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURORS INC | PO BOX 1840 BRANSON, MO 65615 | COX HEALTH SYSTEMS INSURANCE COMPANY | $31K | — | $31K | 3.13% |
| CONNELL INSURANCE INC3 | PO BOX 1840 BRANSON, ME 65615 | UNION SECURITY INSURANCE COMPANY | — | $138 | $138 | 0.95% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 252 | $980K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 86 | $74K |
| Vision | UNION SECURITY INSURANCE COMPANY | 112 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $14K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.