| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 | PO BOX 5750 SPRINGFIELD, MO 658015750 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $128K | $128K | 7.50% |
| MED-PAY, INC.3 Filed as: MED-PAY, INC | 1650 E BATTLEFIELD RD 300 SPRINGFIELD, MO 65804 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $2K | $2K | 0.12% |
| WALLSTREET FINANCIAL GROUP INC3 Filed as: WALLSTREET FINANCIAL GROUP INC. | 1530 RAX CT JEFFERSON CITY, MO 65109 | UNION SECURITY INSURANCE COMPANY | — | $13K | $13K | 6.89% |
| MED-PAY, INC.3 | 1650 E. BATTLEFIELD RD., 300 SPRINGFIELD, MO 65804 | SUN LIFE ASSURANCE COMPANY OF CANADA | $928 | $22K | $23K | 19.39% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 7.29% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 749 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 414 | $190K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $119K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $119K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $119K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.