| 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 | $8K | $1K | $9K | 14.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX NONE | Other services; Direct payment from the plan Service code 49 | 224 NORTH PARK AVE FREMONT, NE 68025 | $376K |
| UMR INC EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $266K |
| L. GOULD EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $149K |
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Claims processing; Contract Administrator; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $106K |
| DECA PROPERTY MANAGEMENT NONE | Other services; Direct payment from the plan Service code 49 | 9630 GRAVOIS RD ST. LOUIS, MO 63123 | $85K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing); Direct payment from the plan; Consulting (general) Service code 10 | — | $76K |
| T. SUTHERLIN EIN 43-1598128 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| M. GRUENDEWALD EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| BRYNE SOFTWARE NONE | Direct payment from the plan; Other services Service code 49 | 16091 SWINGLEY RIDGE RD 200 CHESTERFIELD, MO 63017 | $54K |
| R. JENKINS EIN 43-1598128 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| PAYCHEX OF NEW YORK LLC EIN 47-0900857 NONE | Direct payment from the plan; Other services Service code 49 | — | $27K |
| MARSH & MCLENNAN AGENCY LLC EIN 36-2668272 NONE | Direct payment from the plan; Other services Service code 49 | — | $16K |
| MARCO TECHNOLOGIES LLC EIN 41-0991721 NONE | Other services; Direct payment from the plan Service code 49 | — | $16K |
| BURR OAK CONSULTING LLC EIN 82-3420174 NONE | Direct payment from the plan; Other services Service code 49 | — | $13K |
| HAMMOND AND SHINNERS, PC EIN 43-1429257 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| IRON MOUNTAIN NONE | Other services; Direct payment from the plan Service code 49 | 6090 NE 14TH ST DES MOINES, IA 50313 | $10K |
| TECH ELECTRONICS NONE | Other services; Direct payment from the plan Service code 49 | 2700 INGERSOLL AVE DES MOINES, IA 50312 | $9K |
| QUADIENT LEASING USA, INC. EIN 16-1753763 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| SEGAL SELECT INSURANCE SERVICES INC | Insurance brokerage commissions and fees Service code 53 | — | $3K |
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 | 434 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 444 | $243K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $61K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $67K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $61K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 4 | $6K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 444 | $243K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.