| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 721 EMERSON SUITE 500 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 21.50% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | — | SUN LIFE AND HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX NONE | Direct payment from the plan; Other services Service code 49 | 224 NORTH PARK AVE FREMONT, NE 68025 | $413K |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $365K |
| L. GOULD EIN 43-1598128 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| GERSHMAN COMMERCIAL REAL ESTATE EIN 43-0763769 NONE | Direct payment from the plan; Other services Service code 49 | 150 N MERAMEC AVE STE 500 ST. LOUIS, MO 63105 | $72K |
| M. HERRERRA EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Direct payment from the plan; Consulting (general); Accounting (including auditing) Service code 10 | — | $47K |
| M. GRUENDEWALD EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| BRYNE SOFTWARE NONE | Direct payment from the plan; Other services Service code 49 | — | $33K |
| STIVERS STAFFING SERVICES NONE | Direct payment from the plan; Other services Service code 49 | — | $32K |
| HAMMOND AND SHINNERS, PC EIN 43-1429257 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| SYSTEM DESIGN ASSOCIATES EIN 43-1228887 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
| NETTECH EIN 43-1712583 NONE | Other services Service code 49 | — | $12K |
| J W TERRILL NONE | Direct payment from the plan; Consulting (general) Service code 16 | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | $10K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance services Service code 23 | — | $7K |
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 | 549 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 737 | $285K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 528 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 528 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 528 | $68K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 528 | $63K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 4 | $5K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 737 | $285K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 528 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
No prospect flags tripped on this filing.