| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MCDANIEL3 Filed as: KEVIN J WALSH | 11433 OLDE CABIN ROAD, SUITE 250 ST LOUIS, MO 63141 | THE UNION LABOR LIFE INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| 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 | $868 | — | $868 | 10.00% |
| WALSH FINANCIAL SERVICES4 | 11433 OLDE CABIN ROAD ST LOUIS, MO 63141 | ONEAMERICA | $296 | — | $296 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $320K |
| AETNA EIN 87-0345631 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $174K |
| COLONY CAPITAL MANAGEMENT EIN 58-2533667 NONE | Investment management Service code 28 | — | $61K |
| HUNTLEIGH MCGEHEE EIN 35-2232153 NONE | Consulting (general) Service code 16 | — | $57K |
| HAMMOND & SHINNERS PC EIN 43-1429257 NONE | Legal Service code 29 | 13205 MANCHESTER ST LOUIS, MO 63131 | $37K |
| ENTERPRISE BANK EIN 43-1472619 NONE | Custodial (securities) Service code 19 | — | $10K |
| MICHAEL CUMMINS CPA PC EIN 43-1555780 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| MILLIMAN INC EIN 91-0675941 NONE | Actuarial Service code 11 | — | $7K |
| BMI AUDIT SERVICES NONE | Accounting (including auditing) Service code 10 | 100 E WAYNE ST SUITE 400 SOUTH BEND, IN 46601 | $6K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | — | $6K |
| OPTUMRX INC EIN 33-0441200 NONW | Float revenue; Other fees; Direct payment from the plan; 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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 396 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 1,286 | $0 |
| Life insurance(3 contracts, 2 carriers) | ONE AMERICA | 574 | $86K |
| Short-term disability | ONEAMERICA | 380 | $3K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 393 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,286 | — |
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.
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.