| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOYA | 6450 ROCKSIDE WOODS, BLVD N #100 INDEPENDENCE, OH 44131 | VOYA | — | — | $0 | 0.00% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 2.80% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $20K | $20K | 2.80% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113K | — | $113K | 26.58% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 10.39% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SUITE 100 ST LOUIS, MO 63124 | COMBINED INSURANCE | $78K | — | $78K | 33.41% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $747 | — | $747 | 10.00% |
| 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 | PO BOX 2975 MISSION, KS 66201 | $442K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | $166K |
| STERLINE INSURANCE CONCEPTS INC EIN 60-0000335 BROKER | Other commissions Service code 55 | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | $105K |
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 | 2,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 983 | $304K |
| Dental | AETNA LIFE INSURANCE CO. | 983 | $304K |
| Vision | AETNA LIFE INSURANCE CO. | 983 | $304K |
| Life insurance(2 contracts, 2 carriers) | COMBINED INSURANCE | 422 | $242K |
| Long-term disability | STANDARD INSURANCE COMPANY | 44 | $16K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | VOYA | 559 | $2.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,427 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,427 | — |
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.