| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $0 | $95K | 14.61% |
| INSURANCE SYSTEMS, INC3 | PO BOX 2175 MONROE, LA 71207 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $40K | $0 | $40K | 9.10% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 19.77% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.93% |
| DONALD BECKERLE3 | PO BOX 758 EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $185 | $0 | $185 | 1.74% |
| CORPORATE BENEFIT STRATEGIES, INC.3 Filed as: CORPORATE BENEFIT STRATEGIES, LLC | 201 BEVERLY, STE C EUREKA, MO 63025 | TRANSAMERICA LIFE INSURANCE CARRIER | $116 | $0 | $116 | 1.09% |
| HSI BENEFIT SYSTEMS, INC3 | PO BOX 1710 OSAGE BEACH, MO 65065 | TRANSAMERICA LIFE INSURANCE CARRIER | $3 | $0 | $3 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE SYSTEMS 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 | $487K |
| VISION SERVICE PLAN EIN 36-3560825 ASO | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | PO BOX 60000 SAN FRANCISCO, CA 90074 | $30K |
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 | 3,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $310K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,335 | $663K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 887 | $444K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,335 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,335 | — |
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.