| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO3 | 400 CHESTERFIELD CTR STE 100 CHESTERFIELD, MO 630174800 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $55K | $55K | 4.10% |
| CHARLES L CRANE AGENCY CO | 400 CHESTERFIELD CTR STE 100 CHESTERFIELD, MO 630174800 | UHA | — | — | $0 | 0.00% |
| CHARLES L CRANE AGENCY CO3 | 400 CHESTERFIELD CTR STE 100 CHESTERFIELD, MO 630174800 | AETNA LIFE INSURANCE CO. | $25 | — | $25 | 0.04% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY STE 900 SAINT LOUIS, MO 631022736 | METLIFE | $4K | $23 | $4K | 5.69% |
| CHARLES L CRANE AGENCY CO | 400 CHESTERFIELD CTR STE 100 CHESTERFIELD, MO 630174800 | HDS | — | — | $0 | 0.00% |
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 | 278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $2.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 252 | $89K |
| Vision(2 contracts, 2 carriers) | UHA | 252 | $694K |
| Life insurance | METLIFE | 246 | $64K |
| Short-term disability | METLIFE | 246 | $64K |
| Long-term disability | METLIFE | 246 | $64K |
| Prescription drug | UHA | 57 | $629K |
| Other | METLIFE | 246 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.