| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONE DIGITAL | 8235 FORSYTH BLVD, STE 1200 ST. LOUIS, MO 63105 | THE NORTH RIVER INSURANCE COMPANY | $40K | — | $40K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $2K | $11K | 11.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX EIN 86-1323040 NONE | Contract Administrator; Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $844K |
| EVERSIDE, LLC EIN 45-3449075 NONE | Other services Service code 49 | 1400 WEWATTA ST, STE 350 DENVER, CO 80202 | $288K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 THIRD-PARTY ADMINISTRATOR | Claims processing; Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 909 S. MERIDIAN AVE., SUITE 580 OKLAHOMA CITY, OK 73108 | $206K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $201K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | 1200 ROUTE WEST CLIFTON, NJ 07013 | $88K |
| DIGITAL INSURANCE EIN 35-2232153 CONSULATANT | Consulting (general) Service code 16 | 8235 FORSYTH BLVD, STE 150 CLAYTON, MO 63105 | $71K |
| COMMERCE BANK EIN 48-0962626 INVESTMENT MANAGER | Investment management Service code 28 | 922 WALNUT STREET KANSAS CITY, MO 64106 | $55K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Plan Administrator; Insurance services; Other insurance fees and expenses Service code 14 | 1000 MIDANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | $48K |
| HAMMOND & SHINNERS, P.C. EIN 43-1429257 NONE | Legal Service code 29 | 13205 MANCHESTER RD, STE 210 ST. LOUIS, MO 63131 | $19K |
| GRABEL SCHNIEDERS HOLLMAN & CO EIN 43-1171178 NONE | Accounting (including auditing) Service code 10 | 206 W ARGONNE, SUITE 200 KIRKWOOD, MO 63122 | $10K |
| MILLIMAN, INC. EIN 91-0675941 NONE | Actuarial Service code 11 | 500 N. BROADWAY, STE 1750 ST. LOUIS, MO 63102 | $7K |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 397 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 264 | $373K |
| Dental | AETNA LIFE INSURANCE CO. | 1,323 | $475K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,420 | $93K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 431 | $798K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,420 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,420 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.