| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 12645 OLIVE BLVD SUITE 300 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BURR OAK CONSULTING LLC3 | 12594 DURROW CT SAINT LOUIS, MO 631418815 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $763K |
| IUOE LOCAL 112 EIN 45-0546196 PARTICIPATING EMPLOYER | Plan Administrator Service code 14 | — | $269K |
| BURR OAK CONSULTING EIN 43-1236296 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $65K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $61K |
| JOHNSON INVESTMENT COUNSEL, INC. NONE | Investment management fees paid directly by plan Service code 51 | 39555 ORCHARD HILL PLACE, SUITE 600 NOVI, MI 48375 | $53K |
| SEIX INVESTMENT ADVISORS NONE | Investment management fees paid directly by plan Service code 51 | 1 MAYNARD DR #3200 PARK RIDGE, NJ 07656 | $27K |
| NETFIDELIS, INC. NONE | Other fees Service code 99 | 15470 ENDEAVOR DR STE 400 NOBLESVILLE, IN 46060 | $24K |
| HAMMOND & SHINNERS PC EIN 43-1164305 NONE | Legal Service code 29 | — | $20K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $18K |
| AMALGAMATED BANK NONE | Custodial (securities) Service code 19 | 275 SEVENTH AVENUE NEW YORK, NY 10001 | $13K |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 551 | $34K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 551 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.