| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST LOUIS, MO 63141 | GUARDIAN | $12K | $7K | $19K | 15.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAN HEALTH EIN 16-1264154 NONE | Consulting (pension) Service code 17 | — | $470K |
| ZENITH AMERICAN ADMINISTRATORS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $240K |
| BURR OAK CONSULTING LLC NONE | Consulting (general) Service code 16 | 12594 DURROW CT ST LOUIS, MO 63141 | $68K |
| RSM US LLP EIN 42-0714325 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $58K |
| ARGENT CAPITAL MANAGEMENT LLC EIN 43-1826950 NONE | Soft dollars commissions; Accounting (including auditing) Service code 10 | — | $39K |
| SPECTOR WOLFE & MCLAUGHLIN LLC EIN 43-1718339 NONE | Legal Service code 29 | — | $35K |
| CARDINAL INVESTMENT ADVISORS EIN 36-4464580 NONE | Investment advisory (plan) Service code 27 | — | $30K |
| NUVEEN ASSET MANAGEMENT EIN 36-3817266 NONE | Investment management fees paid directly by plan Service code 51 | — | $26K |
| PINNACLE INT'L MANAGEMENT LLC EIN 13-3998705 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $18K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities) Service code 19 | — | $16K |
| RODNEY JOGGERST TRUSTEE | Trustee (individual) Service code 20 | 9040 LACKLAND ROAD ST LOUIS, MO 63114 | $11K |
| THOMAS DINKINS III TRUSTEE | Trustee (individual) Service code 20 | 9040 LACKLAND ROAD ST LOUIS, MO 63114 | $11K |
| DANIEL HEUMANN TRUSTEE | Trustee (individual) Service code 20 | 9040 LACKLAND ROAD ST LOUIS, MO 63114 | $10K |
| DONALD SCHAPER TRUSTEE | Trustee (individual) Service code 20 | 9040 LACKLAND ROAD ST LOUIS, MO 63114 | $10K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | — | $5K |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 128 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN | 1,013 | $123K |
| Other | GUARDIAN | 1,013 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.