| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURR OAK CONSULTING LLC3 | 12594 DURROW CT SAINT LOUIS, MO 631418815 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $0 | $67K | 10.00% |
| WOLFE NILGES NAHORSKI PC3 | 1630 DES PERES RD STE 305 ST. LOUIS, MO 631311800 | UNITEDHEALTHCARE INSURANCE COMPANY | $309 | $0 | $309 | 0.05% |
| WOLFE NILGES NAHORSKI PC3 | 8182 MARYLAND AVE STE 900 ST. LOUIS, MO 631053915 | UNITEDHEALTHCARE INSURANCE COMPANY | $39 | $0 | $39 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | P.O.BOX 419151 SAINT LOUIS, MO 63141 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $22K | 23.76% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: THE CORNERSTONE INS GROUP | P.O. BOX 419151 ST. LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 11.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $1.2M |
| IUOE LOCAL 112 EIN 45-0546196 PARTICIPATING EMPLOYER | Plan Administrator Service code 14 | — | $222K |
| C.S. MCKEE EIN 25-1900687 NONE | Investment management fees paid directly by plan Service code 51 | — | $91K |
| GUARDIAN INSURANCE COMPANY EIN 13-5123390 NONE | Contract Administrator Service code 13 | — | $91K |
| WOLFE NILGES NAHORSKI, PC EIN 43-1236296 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $63K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $45K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Insurance services Service code 23 | — | $24K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| HAMMOND & SHINNERS PC EIN 43-1164305 NONE | Legal Service code 29 | — | $13K |
| AMALGAMATED BANK NONE | Custodial (securities) Service code 19 | 275 SEVENTH AVENUE NEW YORK, NY 10001 | $13K |
| MILLIMAN EIN 91-0675641 NONE | Actuarial Service code 11 | — | $9K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $8K |
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 | 973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 997 | $95K |
| Vision | VISION SERVICE PLAN | 866 | $194K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,142 | $82K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,142 | $176K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,613 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,613 | — |
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.