| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST LOUIS | 8182 MARYLAND AVE ST LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $13K | $97K | 9.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST LOUIS | 8182 MARYLAND AVE ST LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $8K | $13K | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $1.0M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $111K |
| DELTA DENTAL OF MISSOURI EIN 41-1289245 NONE | Claims processing; Contract Administrator Service code 12 | — | $60K |
| CONNECT YOUR CARE EIN 26-1274092 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $17K |
| ST LOUIS BUSINESS HEALTH COALITION EIN 43-1694859 NONE | Insurance agents and brokers Service code 22 | 8888 LADUE RD SUITE 250 ST LOUIS, MO 63124 | $11K |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 721 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 53 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,491 | $195K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $679K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $679K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $679K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,023 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,491 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.