| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST LOUIS, MO 63141 | GUARDIAN | $18K | $12K | $30K | 9.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $6K | — | $6K | 1.96% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: SMITH MCGHEE LLC | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | GUARDIAN | $2K | — | $2K | 0.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | $8K | $277 | $8K | 6.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.64% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $274 | $7K | 7.12% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.12% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNDERSTONE | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $263 | $7K | 6.98% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.00% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $187 | $7K | 10.38% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.91% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.88% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 Filed as: SCOTT SCHROEPFER INS AGENCY INC | 1424 W 5TH ST WASHINGTON, MO 63090 | RELIASTAR LIFE INSURANCE COMPANY | $19K | — | $19K | 44.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 ST LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $23 | $2K | 10.64% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 ST LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | $867 | $1K | 6.30% |
| SCOTT SCHROEPFER INSURANCE AGENCY3 | PO BOX 274 WASHINGTON, MO 63090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $757 | — | $757 | 4.50% |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,161 | $3.9M |
| Dental | GUARDIAN | 567 | $328K |
| Vision | GUARDIAN | 567 | $328K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | 704 | $203K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $99K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 704 | $96K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATONAL LIFE INSURANCE COMPANY | 704 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,161 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.