| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD ST. LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125K | — | $125K | 30.31% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 6.59% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | AETNA LIFE INSURANCE CO. | — | $6K | $6K | 2.06% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.74% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SUITE 100 ST. LOUIS, MO 63124 | COMBINED INSURANCE | $138K | — | $138K | 58.33% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD. STE 100 ST LOUIS, MO 63124 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD. STE 100 ST LOUIS, MO 63124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | — | $775 | 9.99% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD. STE 100 ST LOUIS, MO 63124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $124 | $124 | 1.60% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 33.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGMEN | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $605K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $133K |
| STERLING INSURANCE CONCEPTS INC EIN 60-0000335 BROKER | Other commissions Service code 55 | 902 E COUNTY LINE RD., STE. 202 LAKEWOOD, NJ 08701 | $118K |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,040 | $299K |
| Vision | AETNA LIFE INSURANCE CO. | 1,040 | $292K |
| Life insurance(2 contracts, 2 carriers) | COMBINED INSURANCE | 484 | $244K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 51 | $32K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 619 | $700K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,923 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,923 | — |
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.