| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDWEHR INSURANCE SERVICES INC3 | PO BOX 1046 JEFFERSON CITY, MO 65102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $89K | $89K | 3.16% |
| WALLSTREET FINANCIAL GROUP INC3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 12.95% |
| INVESTMENT CENTERS OF AMERICA3 | PO BOX 2796 BISMARCK, ND 58502 | THE HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 4.27% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 398 | $2.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 294 | $182K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 331 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,499 | $481K |
| Other | THE HARTFORD LIFE AND ACCIDENT | 331 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.