| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M DUNCAN | 201 E BROADWAY PO BOX 128 BRUNSWICK, MO 65236 | STANDARD INSURANCE COMPANY | $83K | — | $83K | 10.83% |
| JAMES M DUNCAN | 201 E BROADWAY PO BOX 128 BRUNSWICK, MO 65236 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $362K | — | $362K | — |
| JAMES M DUNCAN | 201 E BROADWAY PO BOX 128 BRUNSWICK, MO 65236 | HMO MISSOURI | $24K | — | $24K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 361540 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | $0 |
| HMO MISSOURI EIN 37-1216698 | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $0 |
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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 0 | $0 |
| Dental | STANDARD INSURANCE COMPANY | 284 | $771K |
| Vision | STANDARD INSURANCE COMPANY | 284 | $771K |
| Life insurance | STANDARD INSURANCE COMPANY | 284 | $771K |
| Short-term disability | STANDARD INSURANCE COMPANY | 284 | $771K |
| Long-term disability | STANDARD INSURANCE COMPANY | 284 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.