| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $81K | $81K | 3.55% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | GUARDIAN | $0 | $38K | $38K | 12.03% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOC INC | 8630 DELMAR SUITE 100 ST LOUIS, MO 63124 | GUARDIAN | — | $10K | $10K | 3.08% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | EYEMED VISION CARE | $1K | — | $1K | 4.17% |
| RISK CONSULTING PARTNERS LLC3 | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | EYEMED VISION CARE | $992 | — | $992 | 4.01% |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 295 | $2.3M |
| Dental | GUARDIAN | 546 | $320K |
| Vision | EYEMED VISION CARE | 435 | $25K |
| Life insurance | GUARDIAN | 546 | $320K |
| Short-term disability | GUARDIAN | 546 | $320K |
| Long-term disability | GUARDIAN | 546 | $320K |
| Other | GUARDIAN | 546 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.