| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEWITT INSURANCE AGENCY INC3 Filed as: DEWITT INSURANCE AGENCY | 13523 BARRETT PARKWAY DR, #140 BALLWIN, MO 63021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 NONE | Contract Administrator; Claims processing; Insurance services Service code 12 | — | $745K |
| PRISCILLA TAYLOR EIN 80-0346232 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| RSM US LLP EIN 42-0714325 | Accounting (including auditing); Consulting (general) Service code 10 | — | $68K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1664148 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $40K |
| HAMMOND & SHINNERS PC EIN 43-1429257 NONE | Legal Service code 29 | — | $27K |
| TEAMSTERS INSURANCE & WELFARE FUND EIN 43-0740373 RELATED FUND | Plan Administrator Service code 14 | — | $23K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $10K |
| LISA BOYER EMPLOYEE | Employee (plan) Service code 30 | — | $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 | 1,121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF MISSOURI | 1,121 | $376K |
| Vision | VISION SERVICE PLAN | 1,208 | $110K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,121 | $89K |
| Stop-loss / reinsurancereinsurance | COVENTRY HEALTH CARE OF MISSOURI | 1,121 | $376K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,121 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,208 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.