| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: CORNERSTONE INSURANCE GROUP LL | 13523 BARRETT PARKWAY DR, STE 140 BALLWIN, MO 630213802 | GUARDIAN INSURANCE | $3K | $15K | $19K | 3.26% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $7K | — | $7K | 1.16% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $13K | — | $13K | 12.00% |
| INSGROUP INC3 Filed as: CORNERSTONE INSURANCE GROUP LL | 13523 BARRETT PARKWAY DR, STE 140 BALLWIN, MO 630213802 | GUARDIAN INSURANCE | — | $6K | $6K | 5.97% |
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, STE 140 BALLWIN, MO 630213802 | HUMANA INSURANCE COMPANY | $500 | — | $500 | 1.40% |
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, STE 140 BALLWIN, MO 630213802 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 1.23% |
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, STE 140 BALLWIN, MO 630213802 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.33% |
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR, STE 140 BALLWIN, MO 630213802 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CEMENT MASONS LOCAL 527 EIN 43-0210270 MEMBERS COVERED BY PLAN | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $73K |
| HUNTLEIGH MCGEHEE NONE | Consulting (general) Service code 16 | 8235 FORSYTH BLVD 1200 ST. LOUIS, MO 63105 | $55K |
| COMMERCE BANK EIN 43-0554795 NONE | Custodial (securities) Service code 19 | 8000 FORSYTH, 4TH FLOOR ST. LOUIS, MO 63105 | $40K |
| YVETTE HUBBS EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $37K |
| ROBYN JOHNSON EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $37K |
| PURK & ASSOCIATES, P.C. EIN 26-4532849 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| CEMENT MASONS LOCAL 527 PENSION PLA EIN 51-0179270 COMMON MEMBERSHIO | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $16K |
| ANTHEM BC & BS EIN 86-0257201 NONE | Claims processing Service code 12 | — | $13K |
| MADDOCK HENSON | Accounting (including auditing) Service code 10 | 5353 S. LINDBERGH BLVD. ST. LOUIS, MO 63126 | $8K |
| MILLIMAN 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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | COVENTRY HEALTH AND LIFE | 139 | $3.2M |
| Dental | GUARDIAN INSURANCE | 697 | $578K |
| Vision | VISION SERVICE PLAN | 703 | $69K |
| Life insurance | GUARDIAN INSURANCE | 540 | $108K |
| Short-term disability | GUARDIAN INSURANCE | 697 | $578K |
| Other | GUARDIAN INSURANCE | 540 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.