| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | ANTHEM INSURANCE COMPANIES, INC | $21K | $0 | $21K | 4.01% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $274 | $2K | 7.19% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $316 | $2K | 12.02% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $226 | $2K | 17.10% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $890 | $195 | $1K | 12.19% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 101 | $524K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $30K |
| Vision | ANTHEM INSURANCE COMPANIES, INC | 101 | $524K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $11K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.