| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CERTIFIED PROCESSING CORP | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.41% |
| M2 ADVISORS DIRECT Filed as: M2 ADVISORS DIRECT INC | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.41% |
| CERTIFIED PROCESSING CORP | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $123 | — | $123 | 0.28% |
| CERTIFIED PROCESSING CORP | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | FIDELITY SECURITY LIFE INSURANCE/EYEMED | $2K | — | $2K | 15.21% |
| CERTIFIED PROCESSING CORP | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 42.38% |
| CERTIFIED PROCESSING CORP | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | TELADOC INC | $586 | — | $586 | 27.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CERTIFIED PROCESSING CORP EIN 43-1308674 VENDOR-RECORD KEEPING | Accounting (including auditing); Other services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 9201 WATSON RD-STE 300 ST LOUIS, MO 63126 | $76K |
| BENEFITS ADMINISTRATIVE SYSTEMS LLC EIN 36-4197088 VENDOR-PLAN ADMINISTRATO | Plan Administrator Service code 14 | 17475 JOVANNA DR-STE 1D HOMEWOOD, IL 60430 | $53K |
| TOTAL PLAN SERVICES EIN 75-1946277 VENDOR-PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 15455 DALLAS PARKWAY NORTH SUITE 45 AUSTIN, TX 75001 | $16K |
| HEALTHLINK EIN 43-1364135 VENDOR-NETWORK PROVIDER | Claims processing Service code 12 | 1831 CHESTNUT STREET ST LOUIS, MO 63141 | $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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $59K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $55K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $111K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | IHC RISK SOLUTION | 184 | $336K |
| Other | TELADOC INC | 184 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.