| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CHIP CONSORTIUM LLC3 | 8460 WATSON ROAD SUITE 225 ST LOUIS, MO 63119 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 1.69% |
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD SUITE 100 ST LOUIS, MO 63119 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 0.41% |
| BLUE CHIP CONSORTIUM LLC4 Filed as: BLUE CHIP CONSORTIUM | 8084 WATSON ROAD SUITE 225 ST LOUIS, MO 63119 | EYE MED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | $764 | — | $764 | 9.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARCH BROKERAGE INC EIN 43-1903427 NONE | Contract Administrator Service code 13 | 8084 WATSON ROAD SUITE 100 ST LOUIS, MO 63119 | $34K |
| STERLING CAPITAL MANAGEMENT EIN 43-1472064 NONE | Investment advisory (plan) Service code 27 | 12300 OLD TESSON FERRY ROAD SUITE 10C ST LOUIS, MO 63128 | $16K |
| FINE AND ASSOCIATES PC EIN 43-1879966 NONE | Accounting (including auditing) Service code 10 | 701 CROWN INDUSTRIAL COURT SUITE T CHESTERFIELD, MO 63005 | $10K |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO | 207 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.