| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE STE 200 CHESTERFIELD, MO 63017 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $6K | $18K | 5.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE, LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | 9201 WATSON RD ST. LOUIS, MO 63126 | $106K |
| IBEW/NECA SERVICE CENTER EIN 43-0896804 PLAN ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 5735 ELIZABETH AVENUE SAINT LOUIS, MO 63110 | $45K |
| SCHEFFEL BOYLE EIN 37-1206530 AUDITOR | Accounting (including auditing) Service code 10 | 322 STATE STREET ALTON, IL 62002 | $18K |
| MARSH & MCLENNAN EIN 26-3237576 CONSULTANT | Consulting (general) Service code 16 | 825 MARYLAND CENTER DR, STE 209 CHESTERFIELD, MO 63017 | $14K |
| HAMMOND, SHINNERS, TURCOTTE, LARREW EIN 43-1429257 LEGAL COUNSEL | Legal Service code 29 | 7730 CARONDELET AVE, ST 200 ST. LOUIS, MO 63105 | $7K |
| EKON BENEFITS EIN 43-1317863 ACTUARY | Actuarial Service code 11 | 4940 WASHINGTON BLVD ST. LOUIS, MO 63108 | $5K |
| 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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 250 | $302K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 250 | $302K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 250 | $302K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 250 | $302K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 238 | $452K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 250 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.