| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNITEDHEALTHCARE INSURANCE COMPANY | $205 | $53K | $54K | 5.61% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGENCY COMPANY | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | DELTA DENTAL OF MISSOURI | $9K | $233 | $10K | 9.46% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.09% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 NORTH BROADWAY SUITE 900 SAINT LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $825 | $62 | $887 | 9.85% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 250 | $957K |
| Dental | DELTA DENTAL OF MISSOURI | 264 | $102K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 190 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $9K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.