| 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 | — | $186K | $186K | 7.50% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $18K | $18K | 6.70% |
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 65808 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $12K | $15K | 5.63% |
| MED-PAY, INC.3 | PO BOX 10909 SPRINGFIELD, MO 65808 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $18K | $19K | 10.91% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 6.52% |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 803 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 528 | $274K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 528 | $274K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $179K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $179K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $179K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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.