| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 12.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $584K |
| BURR OAK CONSULTING LLC NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD ST. LOUIS, MO 63131 | $89K |
| LISA BOYER EMPLOYEE | Employee (plan) Service code 30 | 4239 WOODSON RD STE 300 ST. LOUIS, MO 63134 | $66K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $48K |
| MORGAN STANLEY SMITH BARNEY EIN 36-3145972 NONE | Investment management Service code 28 | — | $42K |
| COMMERCE BANK NONE | Custodial (securities) Service code 19 | 6863 CLAYTON RD ST. LOUIS, MO 63117 | $40K |
| MERCY MANAGED BAHAVIORAL HEALTH EIN 43-1664148 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34K |
| DA-COM CORPORATION NONE | Direct payment from the plan Service code 50 | 5317 KNIGHTS OF COLUMBUS DR ST. LOUIS, MO 63119 | $17K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| VSP VISION CARE EIN 36-3560825 NONE | Insurance services; Contract Administrator Service code 13 | — | $13K |
| SPECTOR WOLFE MCLAUGHLIN OMARA HALL EIN 43-1718339 NONE | Legal Service code 29 | — | $9K |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 917 | $71K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 917 | $71K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 852 | $385K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 917 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.