| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 8.07% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INSURANCE GROUP | 721 EMERSON RD. STE 500 ST. LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $15 | $12K | 7.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCSC EIN 36-1236610 CONTRAT ADMIN | Claims processing Service code 12 | — | $3.9M |
| CAREMARK LLC EIN 95-3382344 CONTRACT ADMIN | Claims processing Service code 12 | — | $245K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 CONTRACT ADMIN | Claims processing Service code 12 | — | $166K |
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 | 4,650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 399 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENERAL LIFE INSURANCE CO | 9 | $253K |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE CO | 9 | $253K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,854 | $785K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,331 | $3.3M |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 4,669 | $190K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 4,669 | $191K |
| Other(7 contracts, 5 carriers) | FEDERAL INSURANCE COMPANY | 4,669 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,331 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.