| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INS AGENCY | PO BOX 612 CARTHAGE, MO 64836 | DELTA DENTAL OF MISSOURI | $12K | $306 | $12K | 10.81% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INS AGENCY INC | PO BOX 612 CARTHAGE, MO 648360612 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.34% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INS AGENCY LLC | P O BOX 612 CARTHAGE, MO 64836 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INS AGENCY INC | PO BOX 612 CARTHGAE, MO 648360612 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| SRA INSURANCE AGENCY LLC Filed as: SRA INS AGENCY LLC | P O BOX 612 CARTHAGE, MO 64836 | STANDARD INSURANCE COMPANY | $818 | — | $818 | 2.09% |
| BEIMDIEK INSURANCE AGENCY, INC.3 Filed as: BEIMDIEK INSURANCE AGENCY | P.O. BOX 612 CARTHAGE, MO 64836 | ZURICH AMERICAN INSURANCE COMPANY | $511 | — | $511 | 14.99% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 295 | $114K |
| Life insurance | STANDARD INSURANCE COMPANY | 251 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 111 | $39K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 356 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.