| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $8K | $19K | $27K | 4.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE | $12K | — | $12K | 2.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE | $1K | — | $1K | 0.26% |
| DIGITAL INSURANCE LLC3 | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $10K | $3K | $12K | 13.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE | $2K | — | $2K | 1.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE | $2K | — | $2K | 1.91% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH ST 1200 ST. LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $800 | — | $800 | 2.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS NONE | Claims processing Service code 12 | 12448 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | $392K |
| EVERSIDE HEALTH LLC NONE | Insurance services Service code 23 | 1400 WEWATTA ST DENVER, CO 80202 | $98K |
| CEMENT MASONS LOCAL 527 PENSION PLA EIN 51-0179270 COMMON MEMBERSHIO | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $92K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | 800 MARKET STREET ST. LOUIS, MO 63101 | $89K |
| CEMENT MASONS LOCAL 527 EIN 43-0210270 MEMBERS COVERED BY PLAN | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $59K |
| YVETTE HUBBS EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $57K |
| ROBYN ASHKANAZI EIN 43-0650799 EMPLOYEE | Employee (plan) Service code 30 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $57K |
| COMMERCE BANK EIN 43-0554795 NONE | Custodial (securities) Service code 19 | 8000 FORSYTH, 4TH FLOOR ST. LOUIS, MO 63105 | $48K |
| HUNTLEIGH MCGEHEE NONE | Consulting (general) Service code 16 | 8235 FORSYTH BLVD 1200 ST. LOUIS, MO 63105 | $46K |
| SEGAL SELECT INSURANCE SERVI EIN 46-0619194 NONE | Direct payment from the plan Service code 50 | — | $20K |
| HAMMOND AND SHINNERS PC EIN 43-1164305 NONE | Legal Service code 29 | 7730 CARONDELET AVE, STE 200 ST. LOUIS, MO 63105 | $17K |
| HEALTH CLAIM AUDITORS, INC. NONE | Accounting (including auditing) Service code 10 | 2074 BEECHTREE DR UNIONTOWN, OH 44685 | $17K |
| MADDOCK HENSON NONE | Accounting (including auditing) Service code 10 | 5353 S. LINDBERGH BLVD. ST. LOUIS, MO 63126 | $9K |
| SAVEONSP NONE | Insurance services Service code 23 | 611 JAMISON RD STE 201 ELMA, NY 14059 | $9K |
| NETTECH INC NONE | Other services Service code 49 | P.O. BOX 817 CHESTERFIELD, MO 63006 | $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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 8 | $31K |
| Dental | GUARDIAN INSURANCE | 683 | $584K |
| Vision(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 683 | $584K |
| Life insurance | GUARDIAN INSURANCE | 537 | $96K |
| Short-term disability | GUARDIAN INSURANCE | 683 | $584K |
| Stop-loss / reinsurancereinsurance | SKYWARD | 547 | $421K |
| Other | GUARDIAN INSURANCE | 537 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.