| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $0 | $46K | 9.87% |
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 17.61% |
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.11% |
| WALLSTREET FINANCIAL GROUP INC3 Filed as: WALLSTREET FINANCIAL GROUP | 1530 RAX COURT JEFFERSON CITY, MO 65109 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $8K | 16.82% |
| DAVID MURPHY3 | 2218 PICARDY MEADOWN LANE CHESTERFIELD, MO 63017 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | $0 | $26 | 0.05% |
| DONALD BECKERLE3 | PO BOX 758 EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $119 | $0 | $119 | 1.12% |
| CORPORATE BENEFIT STRATEGIES, INC.3 Filed as: CORPORATE BENEFIT STRATEGIES | 201 BEVERLY, STE C EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $65 | $0 | $65 | 0.61% |
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $17 | $0 | $17 | 0.16% |
| BECKERLE FINANCIAL GROUP3 Filed as: BECKERLE FINANACIAL GROUP | 201 BEVERLY ST EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $1 | $0 | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS, INC EIN 73-1188936 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Consulting (general) Service code 12 | PO BOX 2175 MONROE, LA 71207 | $429K |
| HEALTHLINK, INC EIN 43-1364135 VENDOR | Other services Service code 49 | 1831 CHESTNUT ST ST. LOUIS, MO 63103 | $150K |
| VISION SERVICE PLAN EIN 36-3560825 ASO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Consulting (general) Service code 12 | PO BOX 60000 SAN FRANCISCO, CA 90074 | $23K |
| SELF INSURED SOLUTIONS PRECERT | Consulting (general) Service code 16 | 120 SOUTHPOINTE DRIVE STE D JACKSON, MS 69272 | $22K |
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 | 3,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $478K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $50K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $50K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA LIFE INSURANCE COMPANY | 805 | $491K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,949 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,949 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.