| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 12645 OLIVE BLVD STE 300 ST LOUIS, MO 63141 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.59% |
| MATTHEW TOUCHON3 | 1422 8TH ST COTTAGE HILLS, IL 62018 | DELTA DENTAL OF MISSOURI | $13K | $271 | $13K | 13.67% |
| MATTHEW TOUCHON | 10 B RICHMOND CENTER CT ST PETERS, MO 63376 | DEARBORN LIFE INSURANCE COMPANY | $382 | — | $382 | 2.02% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 190 | $94K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 42 | $19K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 42 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.