| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 200 SAINT LOUIS, MO 631242174 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $10K | $150K | 10.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $13K | $56K | 4.02% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | DELTA DENTAL OF NJ, INC. | $53K | — | $53K | 6.52% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | ALPHA DENTAL PROGRAMS, INC. | $5K | — | $5K | 3.00% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | EYEMED VISION CARE | $145 | — | $145 | 0.10% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 631242174 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $1K | $38K | 28.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502174 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.92% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 200 SAINT LOUIS, MO 631242174 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $26K | 20.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.77% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 STE 200 SAINT LOUIS, MO 631242174 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $1K | $34K | 28.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $959 | $5K | 4.07% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 631242174 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | — | $9K | 20.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLEX FACTS EIN 27-2036736 ADMINISTRATOR | Contract Administrator Service code 13 | — | $38K |
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 | 2,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,609 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 1,809 | $979K |
| Vision | EYEMED VISION CARE | 2,525 | $143K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,609 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,609 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,609 | $1.4M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,590 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,609 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,609 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.