| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, #140 BALLWIN, MO 63021 | GUARDIAN LIFE INSURANCE COMPANY | $31K | $16K | $47K | 7.31% |
| DAN R BREWER Filed as: DAN R. BREWER | 9128 GRANT PARK DR ST. LOUIS, MO 63123 | GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| DAVID J MCCLELLAN Filed as: DAVID G. BOYKIN | 4 IVANHOE WOODS COURT KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RSM US LLP3 | 8182 MARYLAND AVE, SUITE 900 ST. LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 5.07% |
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, #140 ST. LOUIS, MO 63021 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | 5901 LINCOLN DRIVE EDINA, MN 55436 | $960K |
| ZENITH AMERICAN ADMINISTRATORS EIN 52-1590516 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 502 EARTH CITY EXPRESSWAY EARTH CITY, MO 63045 | $140K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Insurance services Service code 23 | PO BOX 8012 APPLETON, WI 54913 | $69K |
| WOLFE NILGES NAHORSKI, PC EIN 43-1236296 NONE | Consulting (general); Other commissions; Accounting (including auditing) Service code 10 | 1630 DES PERES RD SUITE 305 ST LOUIS, MO 63131 | $52K |
| SPECTOR, WOLFE AND MCLAUGHLIN EIN 43-1718339 NONE | Legal Service code 29 | 117 WEST WOODBINE AVE KIRKWOOD, MO 63122 | $19K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | 1301 FIFTH AVE., SUITE 3800 SEATTLE, WA 98101 | $14K |
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 | 1,626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,649 | $647K |
| Vision | VISION BENEFITS OF AMERICA | 1,518 | $21K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,649 | $647K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,649 | $647K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,332 | $260K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,649 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,332 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.