| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SUITE 100 ST. LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102K | — | $102K | 40.73% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOC INC | 8630 DELMAR BLVD SUITE 100 ST. LOUIS, MO 63124 | GUARDIAN | $3K | — | $3K | 3.96% |
| ANDREW J ROBINSON3 | 9346 AVERS EVANSTON, IL 60203 | GUARDIAN | $2K | — | $2K | 2.24% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD, SUITE 100 ST. LOUIS, MO 63124 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 4.71% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD ST. LOUIS, MO 63124 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.06% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $48 | $2K | 17.36% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOC INC | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 631242208 | MUTUAL OF OHAMA INSURANCE COMPANY | — | $418 | $418 | 10.01% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 93 | $117K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 312 | $95K |
| Life insurance | MUTUAL OF OHAMA INSURANCE COMPANY | 435 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $10K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 491 | $785K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 993 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.