| 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 | $21K | — | $21K | 5.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD SUITE 1200 ST LOUIS, MO 63105 | AETNA | — | $7K | $7K | 2.35% |
| WALSH FINANCIAL SERVICES3 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONE AMERICA | $8K | — | $8K | 10.00% |
| WALSH FINANCIAL SERVICES3 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONE AMERICA | $896 | — | $896 | 10.00% |
| WALSH FINANCIAL SERVICES4 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONEAMERICA | $305 | — | $305 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $272K |
| AETNA EIN 87-0345631 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $249K |
| HAMMOND & SHINNERS PC EIN 43-1429257 NONE | Legal Service code 29 | 13205 MANCHESTER ST LOUIS, MO 63131 | $74K |
| COLONY CAPITAL MANAGEMENT EIN 58-2533667 NONE | Investment management Service code 28 | — | $52K |
| HUNTLEIGH MCGEHEE EIN 35-2232153 NONE | Consulting (general) Service code 16 | — | $50K |
| ENTERPRISE BANK EIN 43-1472619 NONE | Custodial (securities) Service code 19 | — | $9K |
| MICHAEL CUMMINS CPA PC EIN 43-1555780 NONE | Accounting (including auditing) Service code 10 | — | $6K |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 353 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 173 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 1,474 | $297K |
| Life insurance(3 contracts, 2 carriers) | ONE AMERICA | 583 | $88K |
| Short-term disability | ONEAMERICA | 348 | $3K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE | 440 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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.