| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 201 E BROADWAY BRUNSWICK, MO 65236 | STANDARD INSURANCE COMPANY | $75K | $5K | $80K | 17.29% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 201 EAST BROADWAY BRUNSWICK, MO 65236 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $24K | $0 | $24K | 9.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE INSURANCE COMPANY EIN 86-0257201 MEDICAL PLAN ADMIN. | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $332K |
| HMO MISSOURI, INC. EIN 37-1216698 MEDICAL PLAN ADMIN. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue 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 | 490 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 306 | $258K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 306 | $258K |
| Life insurance | STANDARD INSURANCE COMPANY | 490 | $462K |
| Short-term disability | STANDARD INSURANCE COMPANY | 490 | $462K |
| Long-term disability | STANDARD INSURANCE COMPANY | 490 | $462K |
| Stop-loss / reinsurancereinsurance | HMO MISSOURI, INC | 379 | $1.0M |
| Other | STANDARD INSURANCE COMPANY | 490 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.