| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DRIVE, STE 200 CHESTERFIELD, MO 63017 | GUARDIAN | — | $210 | $210 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $136K |
| GPB CORPORATION EIN 43-1240518 RELATED PARTY | Direct payment from the plan; Plan Administrator Service code 14 | — | $64K |
| RSM US LLP EIN 42-0714325 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| AMWINS GROUP BENEFITS LLC EIN 05-0461576 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $30K |
| ENTERPRISE TRUST EIN 43-1472619 NONE | Custodial (securities); Trustee (individual) Service code 19 | — | $30K |
| MARSH AND MCLENNAN EIN 26-3237576 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $26K |
| SPECTOR WOLFE MCLAUGHLIN EIN 43-1718339 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 276 | $18K |
| Short-term disability | GUARDIAN | 275 | $14K |
| Stop-loss / reinsurancereinsurance | AETNA | 190 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.