| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MCDANIEL3 Filed as: KEVIN WALSH | 11433 OLDE LOG CABIN ROAD ST LOUIS, MO 63141 | FIDELITY SECURITY LIFE | $17K | — | $17K | 4.64% |
| WALSH FINANCIAL SERVICES3 Filed as: WALSH FINANACIAL SERVICES | 11433 OLDE CABIN ROAD STE 250 ST LOUIS, MO 63141 | FIDELITY SECURITY LIFE | $12K | — | $12K | 3.36% |
| WALSH FINANCIAL SERVICES3 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONE AMERICA | $7K | — | $7K | 10.00% |
| WALSH FINANCIAL SERVICES3 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONE AMERICA | $784 | — | $784 | 10.00% |
| WALSH FINANCIAL SERVICES4 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONEAMERICA | $303 | — | $303 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $297K |
| AETNA EIN 87-0345631 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $177K |
| HUNTLEIGH MCGEHEE EIN 35-2232153 NONE | Consulting (general) Service code 16 | — | $50K |
| COLONY CAPITAL MANAGEMENT EIN 58-2533667 NONE | Investment management Service code 28 | — | $47K |
| HUSCH BLACKWELL LLP EIN 26-1688286 NONE | Legal Service code 29 | — | $34K |
| HAMMOND & SHINNERS PC NONE | Legal Service code 29 | 13205 MANCHESTER ST LOUIS, MO 63131 | $9K |
| ENTERPRISE BANK EIN 43-1472619 NONE | Custodial (securities) Service code 19 | — | $7K |
| EKON BENEFITS EIN 43-1317863 NONE | Actuarial Service code 11 | — | $7K |
| MICHAEL CUMMINS CPA PC EIN 43-1555780 NONE | Accounting (including auditing) Service code 10 | — | $6K |
| LDI PHARMACY MANAGEMENT EIN 43-0960351 NONE | Claims processing Service code 12 | — | $0 |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 283 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 192 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | ONE AMERICA | 553 | $78K |
| Short-term disability | ONEAMERICA | 328 | $3K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE | 424 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.