| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI | 12645 OLIVE BLVD STE 300 ST. LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $7K | $22K | 14.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $295K |
| BENESYS NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $269K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $33K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| STIFEL, NICOLAUS & COMPANY, INC. EIN 43-0538770 NONE | Securities brokerage; Custodial (securities); Investment management fees paid directly by plan; Investment advisory (plan) Service code 19 | — | $23K |
| BURR OAKS CONSULTING EIN 82-3420174 BROKER | Consulting (general); Other commissions; Direct payment from the plan Service code 16 | — | $20K |
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 | 553 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 719 | $149K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 719 | $149K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 719 | $149K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 483 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.