| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST, 4TH FLOOR KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | $77K | — | $77K | 10.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $65K | — | $65K | 12.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER DR STE 200 JEFFERSONVILLE, IN 47130 | HARTFORD LIFE AND ACCIDENT | $0 | $27K | $27K | 5.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 4435 MAIN ST, 4TH FLOOR KANSAS CITY, MO 64111 | ADVANTICA INSURANCE COMPANY | $20K | — | $20K | 18.50% |
| 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 | $6.0M |
| 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 | — | $22K |
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 | 1,985 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE | 0 | $5.8M |
| Dental | DELTA DENTAL OF MISSOURI | 2,063 | $716K |
| Vision | ADVANTICA INSURANCE COMPANY | 1,985 | $107K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,464 | $502K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,464 | $502K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,464 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,464 | — |
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.