| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 101 N WACKER DRIVE CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 2.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBEW-NECA SERVICE CENTER EIN 43-0896804 COMMON AFFILIATION | Contract Administrator Service code 13 | — | $1.7M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Named fiduciary; Contract Administrator; Direct payment from the plan; Participant communication; Other services Service code 13 | — | $1.4M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Other insurance fees and expenses Service code 73 | — | $419K |
| COMMERCE BANK EIN 48-0962626 NONE | Investment management Service code 28 | — | $142K |
| RED-CARD SYSTEMS, LLC NONE | Other fees Service code 99 | 10812 AMBASSADOR BLVD ST. LOUIS, MO 63132 | $105K |
| ROCKWOOD CAPITAL ADVISORS EIN 43-1775815 NONE | Investment management Service code 28 | — | $101K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | — | $95K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $70K |
| ANDERS MINKLER HUBER HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $63K |
| A&S FINANCIAL SERVICES, LLC NONE | Other fees Service code 99 | 2 S. UNIVERSITY DR PLANTATION, FL 33324 | $55K |
| 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; Investment management fees paid indirectly by plan; Other fees; Custodial (securities) Service code 19 | — | $20K |
| SDA, INCORPORATED NONE | Other services Service code 49 | 900 SOUTH HIGHWAY DRIVE, SUITE 102 FENTON, MO 63026 | $18K |
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 | 3,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,032 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL PLAN OF MISSOURI | 11,200 | $3.3M |
| Vision | VISION SERVICE PLAN | 3,781 | $473K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,679 | $228K |
| Other | HARTFORD LIFE AND ACCIDENT | 3,679 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,200 | — |
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.