| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD #100 ST LOUIS, MO 63124 | COMBINED INSURANCE COMPANY | $95K | — | $95K | 43.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | COMBINED INSURANCE COMPANY | $61K | — | $61K | 27.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | COMBINED INSURANCE COMPANY | $21K | — | $21K | 9.35% |
| MITCHELL INSURANCE INC3 | 901 N MAIN ST SIKESTON, MO 63801 | COMBINED INSURANCE COMPANY | $2K | — | $2K | 1.08% |
| TRACY L HOSTLER3 Filed as: TRACY WONDAAL | — | COMBINED INSURANCE COMPANY | $659 | — | $659 | 0.30% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $14K | $14K | 7.26% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.78% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 7.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.29% |
| SPETNER ASSOCIATES INC3 | 822 DELMAR BLVD #100 ST LOUIS, MO 63124 | COMBINED INSURANCE COMPANY | $37K | — | $37K | 54.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | COMBINED INSURANCE COMPANY | $25K | — | $25K | 36.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | COMBINED INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $912 | $912 | 5.32% |
No Schedule C service providers reported on this filing.
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $332K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $195K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $17K |
| Other(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY | 674 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.