| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 721 EMERSON SUITE 500 ST LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $24K | $16K | $40K | 9.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 12645 OLIVE BLVD SUITE 300 ST LOUIS, MO 63141 | VISION BENEFITS OF AMERICA | $865 | — | $865 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $883K |
| ZENITH AMERICAN ADMINISTRATORS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $104K |
| BURR OAK CONSULTING NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD ST LOUIS, MO 63131 | $72K |
| MOSAIC FAMILY WEALTH LLC NONE | Investment management Service code 28 | 1401 SOUTH BRENTWOOD STE 630 ST LOUIS, MO 63144 | $53K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Claims processing; Other services Service code 12 | — | $51K |
| RSM US LLP EIN 42-0714325 NONE | Other commissions; Accounting (including auditing); Consulting (general) Service code 10 | — | $44K |
| SPECTOR, WOLFE AND MCLAUGHLIN EIN 43-1718339 NONE | Legal Service code 29 | — | $17K |
| EXPRESS SCRIPTS NONE | Claims processing Service code 12 | 1 EXPRESS WAY ST LOUIS, MO 63121 | $16K |
| MILLIMAN INC NONE | Actuarial Service code 11 | 500 NORTH BROADWAY SUITE 1750 ST LOUIS, MO 63102 | $14K |
| WESTERHEIDE AND COMPANY EIN 43-1176609 NONE | Accounting (including auditing) Service code 10 | — | $10K |
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 | 1,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,142 | $407K |
| Vision | VISION BENEFITS OF AMERICA | 1,072 | $17K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,142 | $407K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,142 | $407K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,142 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.