| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD STE 300 CREVE COEUR, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 4.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CORNERSTONE LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$315 | -$315 | -0.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LL | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | GUARDIAN | $7K | $0 | $7K | 4.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LL | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | GUARDIAN | $1K | $5K | $6K | 4.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | GUARDIAN | $4K | $0 | $4K | 2.70% |
| BLUE CHIP CONSORTIUM LLC3 | 390 S. WOODS MILL RD STE 100 CHESTERFIELD, MO 63017 | GUARDIAN | $552 | $0 | $552 | 0.41% |
| BLUE CHIP CONSORTIUM LLC3 | 390 S. WOODS MILL RD STE 100 CHESTERFIELD, MA 63017 | GUARDIAN | $330 | $0 | $330 | 0.25% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $939K |
| Dental | GUARDIAN | 116 | $134K |
| Vision | GUARDIAN | 116 | $134K |
| Life insurance | GUARDIAN | 116 | $134K |
| Long-term disability | GUARDIAN | 116 | $134K |
| Other | GUARDIAN | 116 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.