| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | GUARDIAN | $30K | $10K | $41K | 10.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 9.99% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | EYE MED | $7K | — | $7K | 11.60% |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | EYE MED | $1K | — | $1K | 1.79% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | EYE MED | $13 | — | $13 | — |
| THE CORNERSTONE INSURANCE GROUP LLC3 Filed as: CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | EYE MED | $4 | — | $4 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 1285 FERN RIDGE PARKWAY, STE 200 ST. LOUIS, MO 63141 | $342K |
| BURR OAK CONSULTING EIN 82-3420174 NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD. ST. LOUIS, MO 63131 | $61K |
| SCHEFFEL BOYLE EIN 37-1206530 NONE | Accounting (including auditing) Service code 10 | 143 N. KANSAS ST. EDWARDSVILLE, IL 62025 | $35K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1664148 NONE | Other services Service code 49 | P.O. BOX 503794 ST. LOUIS, MO 63150 | $30K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment management fees paid directly by plan Service code 51 | 1500 AMERICAN BOULEVARD PENNINGTON, NJ 08534 | $27K |
| SCHUCHAT, COOK, & WERNER EIN 43-0763010 NONE | Legal Service code 29 | 1221 LOCUST ST., STE 250 ST. LOUIS, MO 63103 | $26K |
| RSM US LLP EIN 43-0714325 NONE | Accounting (including auditing); Consulting fees Service code 10 | 8182 MARYLAND AVE, STE 900 ST. LOUIS, MO 63105 | $25K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Other services Service code 49 | 3760 S. LINDBERGH, STE 102 ST. LOUIS, MO 63127 | $19K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | 501 N. BROADWAY, STE 550 ST. LOUIS, MO 63102 | $14K |
| MONETARY MANAGEMENT GROUP INC EIN 43-1581414 NONE | Investment advisory (plan) Service code 27 | 13537 BARRETT PARKWAY DRIVE, SUITE BALLWIN, MO 63021 | $13K |
| SAV-RX EIN 47-0527013 NONE | Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $10K |
| OPTUMRX EIN 33-0441200 NONE | Claims processing Service code 12 | — | $9K |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,269 | $142K |
| Dental(3 contracts, 3 carriers) | GUARDIAN | 2,269 | $716K |
| Vision(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,269 | $202K |
| Life insurance | GUARDIAN | 797 | $392K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 208 | $280K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 2,269 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,269 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.