| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | UNITED HEALTHCARE INSURANCE CO | $0 | $167K | $167K | 6.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INS CO | $9K | $4K | $13K | 20.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | UNITED OF OMAHA LIFE INS CO | $1K | $588 | $2K | 21.09% |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 640 | $2.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INS CO | 409 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.