| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $39K | $0 | $39K | 5.06% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $2K | $31K | 20.55% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8220 DELMAR BOULEVARD SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 17.91% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.11% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $450 | $450 | 0.30% |
| DANIEL M MCALONE3 Filed as: DANIEL MCALONE | 445 NORTH TAYLOR AVENUE KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | $0 | $214 | 0.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | DELTA DENTAL OF MISSOURI | $21K | $938 | $21K | 14.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | ADVANTICA INSURANCE COMPANY | $4K | $302 | $4K | 10.66% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 80 | $768K |
| Dental | DELTA DENTAL OF MISSOURI | 629 | $144K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 553 | $807K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 908 | $150K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 908 | $150K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 80 | $768K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 908 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.