| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 101 N WACKER DRIVE CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBEW-NECA SERVICE CENTER EIN 43-0896804 COMMON AFFILIATION | Contract Administrator Service code 13 | — | $1.9M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Other services; Claims processing Service code 12 | — | $1.3M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Other insurance fees and expenses Service code 73 | — | $1.1M |
| A&S FINANCIAL SERVICES NONE | Claims processing Service code 12 | 1800 SE 3RD AVE FORT LAUDERDALE, FL 33316 | $638K |
| COMMERCE BANK EIN 48-0962626 NONE | Investment management Service code 28 | — | $162K |
| DELTA DENTAL EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $160K |
| MERCY MANAGED BEHAVIORAL HEALTH NONE | Other services; Direct payment from the plan Service code 49 | 1000 DES PERES RD STE 200-C ST. LOUIS, MO 63131 | $151K |
| ROCKWOOD CAPITAL ADVISORS EIN 43-1775815 NONE | Investment management Service code 28 | — | $110K |
| THE SEGAL COMPANY NONE | Insurance brokerage commissions and fees; Consulting (general) Service code 16 | 101 NORTH WACKER DRIVE CHICAGO, IL 60606 | $108K |
| RED-CARD SYSTEMS, LLC NONE | Other fees Service code 99 | 10812 AMBASSADOR BLVD ST. LOUIS, MO 63132 | $78K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $66K |
| ZELIS PAYMENTS HOLDINGS LLC NONE | Claims processing Service code 12 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $63K |
| SDA, INCORPORATED NONE | Other services Service code 49 | 900 SOUTH HIGHWAY DRIVE, SUITE 102 FENTON, MO 63026 | $52K |
| ANDERS MINKLER HUBER HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $46K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Custodial (securities); Investment management fees paid directly by plan; Other fees; Investment management fees paid indirectly by plan Service code 19 | — | $24K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $23K |
| INK SPOT NONE | Other fees Service code 99 | 3433 HAMPTON AVE ST. LOUIS, MO 63139 | $16K |
| SMART DATA SOLUTIONS NONE | Claims processing Service code 12 | 960 BLUE GENTIAN RD EAGAN, MN 55121 | $13K |
| SUSAN L PORTAS NONE | Accounting (including auditing) Service code 10 | 954 GLENBROOK AVE ST. LOUIS, MO 63122 | $5K |
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 | 3,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,103 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,669 | $554K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,696 | $194K |
| Other | HARTFORD LIFE AND ACCIDENT | 3,696 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,669 | — |
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."
No prospect flags tripped on this filing.