| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC4 Filed as: SPETNER ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198K | — | $198K | 24.33% |
| STERLING INSURANCE CONCEPTS4 Filed as: STERLING INSURANCE CONCEPTS INC | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 2.54% |
| UMR, INC.4 Filed as: UMR, INC | 115WWAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.42% |
| SPETNER ASSOCIATES INC Filed as: SPETNER ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | AETNA LIFE INSURANCE CO | $46K | — | $46K | 9.95% |
| SPETNER ASSOCIATES INC4 Filed as: SPETNER ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | COMBINED INSURANCE | $162K | — | $162K | 37.95% |
| SPETNER ASSOCIATES INC4 Filed as: SPETNER ASSOCIATES | 8220 DELMAR BLVD ST. LOUIS, MO 63124 | GIS BENEFITS INC | $17K | — | $17K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | 6800 W 115TH ST. SUITE 600 OVERLAND PARK, KS 66211 | $1.0M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | $249K |
| STERLING INSURANCE CONCEPTS INC EIN 60-0000335 BROKER | Other commissions Service code 55 | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | $120K |
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 | 2,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 1,403 | $461K |
| Life insurance | GIS BENEFITS INC | 2,052 | $84K |
| Short-term disability | GIS BENEFITS INC | 2,052 | $84K |
| Long-term disability | GIS BENEFITS INC | 2,052 | $84K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 703 | $762K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,052 | — |
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.
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.