| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $183K | $214K | 3.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.05% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR, SUITE 100 SAINT LOUIS, MO 63124 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$18K | $0 | -$18K | -12.96% |
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 | 931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,203 | $5.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $139K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,203 | $5.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $139K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $139K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $139K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,203 | $5.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.