| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD STE 100 ST LOUIS, MO 63119 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $81 | $81 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 721 EMERSON RD ST. LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $141 | — | $141 | 0.22% |
| ARCH BROKERAGE INC3 | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | DELTA DENTAL OF MISSOURI | $49 | — | $49 | 0.07% |
| 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 | $29K |
| SPECTOR, WOLFE, MCLAUGHLIN & O'MARA NONE | Legal Service code 29 | 710 S KIRKWOOD ROAD KIRKWOOD, MO 63122 | $29K |
| CORNERSTONE EMPLOYER SOLUTIONS NONE | Contract Administrator Service code 13 | 721 EMERSON RD SUITE 500 ST. LOUIS, MO 63141 | $23K |
| VISIONARY WEALTH ADVISORS NONE | Investment advisory (plan) Service code 27 | 1401 S BRENTWOOD BLVD SUITE 700 BRENTWOOD, MO 63144 | $20K |
| CORNERSTONE INSURANCE GROUP NONE | Contract Administrator Service code 13 | 721 EMERSON RD SUITE 500 ST. LOUIS, MO 63141 | $18K |
| ANDERS MINKLER HUBER HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $16K |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $1.3M |
| Dental | DELTA DENTAL OF MISSOURI | 222 | $66K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMP | 231 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 135 | $17K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 112 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 112 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.