| 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 | $82K | $0 | $82K | 14.80% |
| INSURANCE SYSTEMS, INC3 | PO BOX 2175 MONROE, LA 71207 | TRANSAMERICA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 9.07% |
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $0 | $34K | 20.42% |
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE CARRIER | $14K | $0 | $14K | 10.17% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.79% |
| DAVID MURPHY3 | 1716 HIDDEN CREEK CT ST. LOUIS, MO 63131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.01% |
| EDWARD DALE MERACLE3 | 1716 HIDDEN CREEK CT ST. LOUIS, MO 63131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.00% |
| DON BECKERLE3 | PO BOX 758 EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $191 | $0 | $191 | 1.14% |
| CORPORATE BENEFIT STRATEGIES, INC.3 Filed as: CORPORATE BENEFIT STRATEGIES. LLC | 201 BEVERLY, STE C EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $123 | $0 | $123 | 0.74% |
| HSI BENEFIT SYSTEMS, INC3 Filed as: HSI BENEFIT SYSTEMS, LLC | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $18 | $0 | $18 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS, INC EIN 73-1188936 VENDOR | Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | PO BOX 2175 MONROE, LA 71207 | $521K |
| 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 | $29K |
| VOLTAIRE HEALTH EIN 46-2047081 VENDOR | Consulting (general); Claims processing Service code 12 | 5800 GRANITE PARKWAY STE 450 PLANO, TX 75024 | $0 |
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 | 3,567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,453 | $569K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,001 | $351K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $49K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA LIFE INSURANCE COMPANY | 941 | $447K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,453 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,453 | — |
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.