| 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 | — | $7K | 6.42% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | $5K | — | $5K | 10.00% |
| ARCH BROKERAGE INC3 Filed as: ARCH BROKERAGE INC. | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | GUARDIAN | $3K | — | $3K | 15.58% |
| AARON CICHY3 | 2121 AUSTIN DRIVE, STE 100 CARROLTON, TX 75006 | AMERICAN HERITAGE LIFE INSURANCE | $680 | — | $680 | 5.21% |
| PATRICIA ANN SLAY3 | 414 WOODVIEW MANOR LANE ST. LOUIS, MO 63122 | AMERICAN HERITAGE LIFE INSURANCE | $219 | — | $219 | 1.68% |
| CARL J. SCHICK3 | 857 SUGAR HILL DRIVE BALLWIN, MO 63021 | AMERICAN HERITAGE LIFE INSURANCE | $214 | — | $214 | 1.64% |
| MARK KUBAN3 | 1416 DEVONSHIRE COUNTY DR WENTZVILLE, MO 63385 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.29% |
| JOSEPH BOTTANI3 | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.81% |
| ARCH BROKERAGE INC3 Filed as: ARCH BROKERAGE INC. | 8084 WATSON ROAD STE 100 ST. LOUIS, MO 63119 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.48% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 12 | $13K |
| Dental | GUARDIAN | 234 | $20K |
| Vision | GUARDIAN | 276 | $102K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 276 | $118K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 234 | $22K |
| Long-term disability | GUARDIAN | 276 | $102K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE | 239 | $378K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 276 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.