| 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 | $42K | $18K | $59K | 10.85% |
| DEWITT INSURANCE AGENCY INC3 | 390 S WOODS MILL RD CHESTERFIELD, MO 63017 | DELTA DENTAL OF ILLINOIS | $21K | — | $21K | 4.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 12645 OLIVE BLVD. SUITE 300 ST. LOUIS, MO 63141 | EYE MED | $13K | — | $13K | 18.28% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 12645 OLIVE BLVD. SUITE 300 ST. LOUIS, MO 63141 | EYE MED | $5 | — | $5 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1285 FERN RIDGE PARKWAY, STE 200 ST. LOUIS, MO 63141 | $411K |
| LABOR FIRST, LLC EIN 61-1750191 NONE | Contract Administrator Service code 13 | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | $111K |
| BURR OAK CONSULTING EIN 82-3420174 NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD. ST. LOUIS, MO 63131 | $58K |
| SCHEFFEL BOYLE EIN 37-1206530 NONE | Accounting (including auditing) Service code 10 | 143 N. KANSAS ST. EDWARDSVILLE, IL 62025 | $40K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Other services Service code 49 | 3760 S. LINDBERGH, STE 102 ST. LOUIS, MO 63127 | $31K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1664148 NONE | Other services Service code 49 | P.O. BOX 503794 ST. LOUIS, MO 63150 | $28K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment management fees paid directly by plan Service code 51 | 1500 AMERICAN BOULEVARD PENNINGTON, NJ 08534 | $23K |
| SCHUCHAT, COOK, & WERNER EIN 43-0763010 NONE | Legal Service code 29 | 1221 LOCUST ST., STE 250 ST. LOUIS, MO 63103 | $20K |
| MONETARY MANAGEMENT GROUP INC EIN 43-1581414 NONE | Investment advisory (plan) Service code 27 | 13537 BARRETT PARKWAY DRIVE, SUITE BALLWIN, MO 63021 | $13K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | 501 N. BROADWAY, STE 550 ST. LOUIS, MO 63102 | $7K |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 257 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 326 | $520K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 822 | $1.0M |
| Vision(2 contracts) | EYE MED | 2,173 | $73K |
| Life insurance | GUARDIAN | 822 | $545K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 1,853 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,173 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.