No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANDERS EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $50K |
| LESHELL FAIR EMPLOYEE | Plan Administrator Service code 14 | 5585 PERSHING AVENUE STE B ST. LOUIS, MO 631124621 | $36K |
| UNITE HERE LOCAL #74 UNION HALL | Other services Service code 49 | 5585 PERSHING AVENUE STE B ST. LOUIS, MO 631124621 | $7K |
| COMMERCE BANK EIN 48-0962626 CUSTODIAN | Investment management; Custodial (securities) Service code 19 | — | $6K |
| MADDOCKHENSON PC NONE | Legal Service code 29 | 5353 S LINDBERGH BLVD STE 200 ST. LOUIS, MO 63126 | $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 | 446 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 515 | $2.9M |
| Dental | LIBERTY DENTAL PLAN OF MISSOURI, INC | 1,072 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.