| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 SOUTHAMPTON DR COLUMBIA, MO 65203 | GUARDIAN | $30K | $10K | $40K | 5.83% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.00% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PARKWAY AMHERST, NY 14226 | SUNLIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 6.58% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP, INC | 200 EAST SOUTHAMPTON DR COLUMBIA, ME 65203 | NATIONAL UNION FIRE INSURANCE | $10K | — | $10K | 10.00% |
| FRANK HIGGINS3 Filed as: FRANK L HIGGINS | 3509 GETTYSBURG PLACE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.01% |
| ALEXANDER I MIRO3 | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.51% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.85% |
| ASHTON CONSULTING INC3 | 2101 CORONA ROAD STE 201 COLUMBIA, ME 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $536 | — | $536 | 1.51% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWAY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | — | $344 | 0.97% |
| THE INSURANCE GROUP3 | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 0.86% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.64% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY STE 200 COLUMBIA, ME 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.54% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.29% |
| AARON C EVERLY3 | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.26% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.23% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | PO BOX 480 BOONVILLE, MO 65233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.13% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.12% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.08% |
| BAYLEY STULTS3 | 2101 CORONA RD STE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.08% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, ID 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVEW DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| FRED SNODDY3 Filed as: FRED W SNODDY | 2101 CORONA ROAD STE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CHRISTIE S LANDWEHR3 | 210 PRODO DR JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Plan Administrator Service code 14 | 550 MARYVILLE CENTRE DR STE 300 SAINT LOUIS, ME 63141 | $366K |
| HEALTHLINK INC EIN 43-1364135 NONE | Contract Administrator Service code 13 | 1831 CHESTNUT STREET ST LOUIS, MO 63103 | $10K |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 19 | $89K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 633 | $784K |
| Vision | GUARDIAN | 633 | $694K |
| Life insurance | GUARDIAN | 633 | $694K |
| Short-term disability | GUARDIAN | 633 | $694K |
| Long-term disability | GUARDIAN | 633 | $694K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 19 | $89K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 508 | $775K |
| Other(3 contracts, 3 carriers) | NATIONAL UNION FIRE INSURANCE | 500 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.