| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $81K | $81K | 6.24% |
| OLLIS AND COMPANY3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | COX HEALTH SYSTEMS INSURANCE COMPANY | $32K | — | $32K | 2.47% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE STREET SPRINGFIELD, MO 65804 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.16% |
| DAVID MURPHY3 | 1716 HIDDEN CREEK COURT SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.01% |
| EDWARD DALE MERACLE3 | 1716 HIDDEN CREEK COURT SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.97% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 241 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $55K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $19K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.