| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURR OAK CONSULTING LLC3 | 12594 DURROW CT SAINT LOUIS, MO 631418815 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | $0 | $62K | 9.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | P.O.BOX 419151 SAINT LOUIS, MO 63141 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.62% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 25.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE | 721 EMERSON RD STE 500 SAINT LOUIS, MO 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $296 | $8K | 10.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $885K |
| IUOE LOCAL 112 EIN 45-0546196 PARTICIPATING EMPLOYER | Plan Administrator Service code 14 | — | $216K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $42K |
| C.S. MCKEE EIN 25-1900687 NONE | Investment management fees paid directly by plan Service code 51 | — | $35K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $18K |
| HAMMOND & SHINNERS PC EIN 43-1164305 NONE | Legal Service code 29 | — | $16K |
| SEIX INVESTMENT ADVISORS NONE | Investment management fees paid directly by plan Service code 51 | 1 MAYNARD DR #3200 PARK RIDGE, NJ 07656 | $15K |
| WOLFE NILGES NAHORSKI, PC EIN 43-1236296 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $14K |
| JOHNSON INVESTMENT COUNSEL, INC. NONE | Investment management fees paid directly by plan Service code 51 | 39555 ORCHARD HILL PLACE, SUITE 600 NOVI, MI 48375 | $10K |
| AMALGAMATED BANK NONE | Custodial (securities) Service code 19 | 275 SEVENTH AVENUE NEW YORK, NY 10001 | $9K |
| MILLIMAN EIN 91-0675641 NONE | Actuarial Service code 11 | — | $9K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $7K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Insurance services Service code 23 | — | $5K |
| RHUMBLINE ADVISORS LIMITED PTRSHP NONE | Investment management fees paid directly by plan Service code 51 | 265 FRANKLIN STREET, 21ST FLOOR BOSTON, MA 02110 | $5K |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 731 | $142K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $72K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,255 | $623K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 953 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,255 | — |
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.