| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEWITT INSURANCE AGENCY INC3 | 13523 BARRETT PARKWAY DR ST LOUIS, MO 63021 | GUARDIAN | $20K | — | $20K | 5.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $226K |
| OPERATING ENGINEERS LOCAL 148 EIN 37-0447914 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $84K |
| WOLFE NILGES NAHORSKI, PC EIN 43-1236296 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $54K |
| HAMMOND & SHINNERS, PC EIN 43-1164305 NONE | Legal Service code 29 | — | $15K |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 384 | $338K |
| Vision | GUARDIAN | 384 | $338K |
| Life insurance | GUARDIAN | 384 | $338K |
| Short-term disability | GUARDIAN | 384 | $338K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $266K |
| Other | GUARDIAN | 384 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.