| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST, 4TH FLOOR KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | $119K | — | $119K | 18.10% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $65K | — | $65K | 12.78% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.38% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF MISSOURI LLC | 200 COLONIA CTR PKWY #140 LAKE MARY, FL 32746 | ADVANTICA INSURANCE COMPANY | $17K | — | $17K | 16.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHWEST FIREFIGHTERS BENEFITS TR EIN 41-1416156 RELATED PARTY | Other services Service code 49 | P.O. BOX 6 MUKILTEO, WA 98275 | $11.3M |
| VIMLY BENEFIT SOLUTIONS EIN 91-1603312 NONE | Other fees Service code 99 | — | $95K |
| ASSURED PARTNERS OF MO, LLC NONE | Consulting (general) Service code 16 | 12645 OLIVE BLVD. SUITE 300 CREVE COEUR, MO 63141 | $46K |
| HAMMOND AND SHINNERS. P.C. NONE | Legal Service code 29 | 13205 MANCHESTER ROAD, STE 210 DES PERES, MO 63131 | $26K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $24K |
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 | 1,967 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,862 | $658K |
| Vision | ADVANTICA INSURANCE COMPANY | 1,967 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,500 | $511K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,500 | $511K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,500 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,500 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.