| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCH BROKERAGE INC3 Filed as: ARCH BROKERAGE INC. | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | GUARDIAN | $7K | $3K | $11K | 9.79% |
| ARCH BROKERAGE INC3 Filed as: ARCH BROKERAGE INC. | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | GUARDIAN | $3K | $783 | $4K | 22.72% |
| AARON CICHY3 | 2121 AUSTIN DRIVE, STE 100 CARROLTON, TX 75006 | AMERICAN HERITAGE LIFE INSURANCE | $768 | — | $768 | 5.91% |
| PATRICIA ANN SLAY3 | 414 WOODVIEW MANOR LANE ST. LOUIS, MO 63122 | AMERICAN HERITAGE LIFE INSURANCE | $222 | — | $222 | 1.71% |
| CARL J. SCHICK3 | 857 SUGAR HILL DRIVE BALLWIN, MO 63021 | AMERICAN HERITAGE LIFE INSURANCE | $204 | — | $204 | 1.57% |
| MARK KUBAN | 1416 DEVONSHIRE COUNTY DR WENTZVILLE, MO 63385 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 1.26% |
| JOSEPH BOTTANI3 | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.74% |
| ARCH BROKERAGE INC Filed as: ARCH BROKERAGE INC. | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.52% |
No Schedule C service providers reported on this filing.
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 13 | $13K |
| Dental | GUARDIAN | 224 | $17K |
| Vision | GUARDIAN | 251 | $108K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 251 | $123K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 251 | $128K |
| Long-term disability | GUARDIAN | 251 | $108K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE | 236 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.