| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY ADVISORS LLC3 | 401 LOCUST, STE 202 COLUMBIA, MO 65201 | ALLIED BENEFIT SYSTEMS, LLC | — | $84K | $84K | 29.51% |
| HEATLHLNK0 | 1831 CHESTNUT ST #540 ST LOUIS, MO 63103 | ALLIED BENEFIT SYSTEMS, LLC | — | $13K | $13K | 4.48% |
| PHCS0 | 16 CROSBY DRIVE BEDFORD, MA 01730 | ALLIED BENEFIT SYSTEMS, LLC | — | $7K | $7K | 2.49% |
| LEGACY ADVISORS LLC3 | 401 LOCUST ST, STE 202 COLUMBIA, MO 65201 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $382 | $15K | 102.66% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21034 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 9.59% |
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 | 806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 327 | $283K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 806 | $14K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 806 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 806 | $14K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 806 | $14K |
| Stop-loss / reinsurancereinsurance | ALLIED BENEFIT SYSTEMS, LLC | 327 | $283K |
| Other | ALLIED BENEFIT SYSTEMS, LLC | 327 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.