| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARROLL, WILLIAM3 | 15903 WOODLET WAY CT CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 1.63% |
| THORP, KENNETH3 | 601 GASLITE LANE ST. LOUIS, MO 63122 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 NONE | Claims processing Service code 12 | — | $1.7M |
| IBEW-NECA SERVICE CENTER EIN 43-0896804 COMMON AFFILIATION | Contract Administrator Service code 13 | — | $1.3M |
| EMDEON BUSINESS SERVICES NONE | Other fees Service code 99 | 3055 LEBANON PIKE NASHVILLE, TN 37214 | $127K |
| COMMERCE BANK EIN 48-0962626 NONE | Investment management Service code 28 | — | $125K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | — | $114K |
| ROCKWOOD CAPITAL ADVISORS EIN 43-1775815 NONE | Investment management Service code 28 | — | $81K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $45K |
| PURK & ASSOCIATES, P.C. EIN 26-4532849 NONE | Accounting (including auditing) Service code 10 | — | $44K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $23K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid directly by plan Service code 51 | — | $22K |
| INK SPOT NONE | Other fees Service code 99 | 3433 HAMPTON AVE ST. LOUIS, MO 63139 | $17K |
| ON DEMAND SOLUTIONS INC. NONE | Other fees Service code 99 | 1 CITY PLACE DR. SUITE 540 ST. LOUIS, MO 63141 | $17K |
| SYSTEM DESIGN ASSOCIATES NONE | Other fees Service code 99 | 300 LACKAWANNA AVE WOODLAND PARK, NJ 07424 | $10K |
| THE CHRISTY BANQUET CENTER NONE | Other fees Service code 99 | 5856 CHRISTY BLVD. ST. LOUIS, MO 63116 | $6K |
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 | 3,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,012 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL PLAN OF MISSOURI | 10,389 | $3.0M |
| Vision | VISION SERVICE PLAN | 3,303 | $382K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,830 | $154K |
| Other | HARTFORD LIFE AND ACCIDENT | 5,830 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,389 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.