| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE, LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $9K | $12K | $21K | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 VENDOR | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 9201 WATSON RD ST. LOUIS, MO 63126 | $96K |
| BURR OAK CONSULTING, LLC EIN 82-3420174 CONSULTANT | Consulting (general) Service code 16 | 2115 BARRETT STATION DR ST LOUIS, MO 63131 | $26K |
| IBEW/NECA SERVICE CENTER EIN 43-0896804 PLAN ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 5735 ELIZABETH AVENUE SAINT LOUIS, MO 63110 | $26K |
| HAMMOND, SHINNERS, TURCOTTE, LARREW EIN 43-1429257 LEGAL COUNSEL | Legal Service code 29 | 7730 CARONDELET AVE, ST 200 ST. LOUIS, MO 63105 | $16K |
| SCHEFFEL BOYLE EIN 37-1206530 AUDITOR | Accounting (including auditing) Service code 10 | 322 STATE STREET ALTON, IL 62002 | $15K |
| VANGUARD GROUP INC EIN 23-1945930 FINANCIAL ADVISOR | Investment management Service code 28 | PO BOX 2600 VALLEY FORGE, PA 194822600 | $5K |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 258 | $314K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 258 | $314K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 258 | $314K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 258 | $314K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 244 | $476K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 258 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
No prospect flags tripped on this filing.