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| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Plan Administrator Service code 14 | 550 MARYVILLE CENTRE DR STE 300 SAINT LOUIS, ME 63141 | $366K |
| HEALTHLINK INC EIN 43-1364135 NONE | Contract Administrator Service code 13 | 1831 CHESTNUT STREET ST LOUIS, MO 63103 | $10K |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 19 | $89K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 633 | $784K |
| Vision | GUARDIAN | 633 | $694K |
| Life insurance | GUARDIAN | 633 | $694K |
| Short-term disability | GUARDIAN | 633 | $694K |
| Long-term disability | GUARDIAN | 633 | $694K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 19 | $89K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 508 | $775K |
| Other(3 contracts, 3 carriers) | NATIONAL UNION FIRE INSURANCE | 500 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.