| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $12K | $30K | 3.35% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER RD ML 400 PFEIFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 0.63% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 SOUTHAMPTON DR COLUMBIA, MO 65203 | GUARDIAN | $30K | $17K | $48K | 5.64% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP, INC | 200 SOUTHAMPTON DR COLUMBIA, MO 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 | $2K | — | $2K | 6.95% |
| THE INSURANCE GROUP3 | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $758 | — | $758 | 2.60% |
| ALEXANDER I MIRO3 | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 2.49% |
| ASHTON CONSULTING INC3 | 2101 CORONA ROAD STE 201 COLUMBIA, ME 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $563 | — | $563 | 1.93% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | PO BOX 480 BOONVILLE, MO 65233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | — | $337 | 1.16% |
| AARON C EVERLY3 | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | — | $208 | 0.71% |
| BAYLEY STULTS3 | 2101 CORONA RD STE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.71% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.54% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY STE 200 COLUMBIA, ME 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.44% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.23% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.23% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWAY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, ID 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVEW DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRISTIE S LANDWEHR3 | 210 PRODO DR JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 NONE | Claims processing; Other commissions Service code 12 | — | $281K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $36K |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 18 | $94K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 730 | $938K |
| Vision | GUARDIAN | 730 | $843K |
| Life insurance | GUARDIAN | 730 | $843K |
| Short-term disability | GUARDIAN | 730 | $843K |
| Long-term disability | GUARDIAN | 730 | $843K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 18 | $94K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 575 | $896K |
| Other(3 contracts, 3 carriers) | NATIONAL UNION FIRE INSURANCE | 605 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.