| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $55K | $55K | 4.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL SAINT LOUIS, MO 63146 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| AHM FINANCIAL GROUP LLC3 Filed as: AHM FINANCIAL GROUP, LLC | 11975 WESTLINE INDUSTRIAL SAINT LOUIS, MO 63146 | HUMANADENTAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $730 | $6K | 17.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | EYEMED | $445 | — | $445 | 8.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 11975 WESTLINE INDUSTRIAL SAINT LOUIS, MO 63146 | COMPBENEFITS DENTAL, INC. | $151 | — | $151 | 3.99% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 906 | $1.7M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 168 | $92K |
| Vision | EYEMED | 111 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $36K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 906 | $1.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 576 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.