| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD STE 100 ST LOUIS, MO 63119 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD STE 100 ST LOUIS, MO 63119 | DELTA DENTAL OF MISSOURI | $7K | $759 | $8K | 9.36% |
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD STE 100 ST LOUIS, MO 63119 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.32% |
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD STE 100 ST LOUIS, MO 63119 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.22% |
| BLUE CHIP CONSORTIUM LLC3 Filed as: BLUE CHIP CONSORTIUM | 8460 WATSON RD STE 225 ST LOUIS, MO 63119 | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMP | $1K | — | $1K | 9.96% |
| INSGROUP INC3 Filed as: CORNERSTONE INSURANCE GROUP, LLC MO | 721 EMERSON ROAD SUITE 500 ST LOUIS, MO 63141 | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMP | $85 | — | $85 | 0.84% |
| 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 | $33K |
| SPECTOR, WOLFE, MCLAUGHLIN & O'MARA NONE | Legal Service code 29 | 710 S KIRKWOOD ROAD KIRKWOOD, MO 63122 | $16K |
| STERLING CAPITAL EIN 43-1472064 NONE | Investment advisory (plan) Service code 27 | 12300 OLD TESSON FERRY ROAD, SUITE ST LOUIS, MO 63128 | $14K |
| FINE & ASSOCIATES EIN 43-1879966 NONE | Accounting (including auditing) Service code 10 | 701 CROWN IND COURT STE T CHESTERFIELD, MO 63005 | $11K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.2M |
| Dental | DELTA DENTAL OF MISSOURI | 233 | $82K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMP | 239 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $29K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $73K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.