| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCLAIM, INC.3 | UNKNOWN BAY SPRINGS, MS 39422 | ONEAMERICA | $11K | — | $11K | 10.00% |
| THE LOWERY GROUP3 Filed as: LOWERY INSURANCE , INC. | 1307 AIRPORT ROAD, SUITE 3A FLOWOOD, MO 63126 | MERITAIN HEALTH | $4K | — | $4K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD, SUITE 200 SAINT LOUIS, MO 63126 | MERITAIN HEALTH | $2K | — | $2K | 5.00% |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | MERITAIN HEALTH | 254 | $38K |
| Life insurance | ONEAMERICA | 581 | $112K |
| Short-term disability | ONEAMERICA | 581 | $112K |
| Long-term disability | ONEAMERICA | 581 | $112K |
| Other | ONEAMERICA | 581 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.