| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY GOSZ3 | MAIL STOP 7320, 11 SCOTT ST STE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 2.80% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76K | — | $76K | 15.49% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SUITE 100 ST. LOUIS, MO 63124 | AETNA LIFE INSURANCE CO. | $30K | — | $30K | 10.39% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD #100 ST LOUIS, MO 63124 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $892 | — | $892 | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $504K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $151K |
| STERLING INSURANCE CONCEPTS INC EIN 60-0000335 BROKER | Other commissions Service code 55 | 902 E COUNTY LINE RD., STE. 202 LAKEWOOD, NJ 08701 | $110K |
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 | 987 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 990 | $292K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 990 | $292K |
| Vision | AETNA LIFE INSURANCE CO. | 990 | $292K |
| Life insurance(2 contracts, 2 carriers) | COMBINED INSURANCE | 421 | $242K |
| Long-term disability | STANDARD INSURANCE COMPANY | 44 | $20K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 517 | $632K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,349 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,349 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.