| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISOR INC3 | 1227 FERN RIDGE PARKWAY FLOOR 2 SAINT LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $11K | — | $11K | 5.79% |
| NORDVAST HOLDINGS3 | 1621 CENTRAL AVENUE CHEYENNE, WY 82001 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 24.57% |
| H2RISK LLC3 | 85 KNOWLEDGE COURT LAKE SAINT LOUIS, MO 63367 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $59 | — | $59 | 0.26% |
| MISSOURI GENERAL INSURANCE3 Filed as: MISSOURI GENERAL INSURANCE AGE | 1227 FERN RIDGE PARKWAY ST LOUIS, MO 63141 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $39 | — | $39 | 0.17% |
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 | 29 | 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) | 29 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 29 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29 | — |
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.