No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TAMMY WESTHUES EIN 43-1178602 EMPLOYEE | Plan Administrator Service code 14 | — | $70K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $13K |
| ST. JOHN'S BANK & TRUST NONE | Other services Service code 49 | 1053 CAVE SPRINGS RD ST. PETTERS, MO 63376 | $10K |
| VISIONARY WEALTH ADVISORS NONE | Consulting (pension) Service code 17 | 1401 S BRENTWOOD BLVD SUITE 700 BRENTWOOD, MO 63144 | $7K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED AMERICAN INSURANCE COMPANY | 92 | $287K |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 2 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.