| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 721 EMERSON SUITE 500 ST LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $13K | 15.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $546K |
| LISA BOYER EMPLOYEE | Employee (plan) Service code 30 | 4239 WOODSON RD STE 300 ST LOUIS, MO 63134 | $108K |
| BURR OAK CONSULTING LLC NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD ST LOUIS, MO 63131 | $87K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Consulting (general) Service code 10 | — | $46K |
| MERCY MANAGED BEHAVIORAL HEALTH EIN 43-1664148 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $15K |
| VSP VISION CARE EIN 36-3560825 NONE | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $14K |
| SPECTOR WOLFE MCLAUGHLIN OMARA HALL EIN 43-1718339 NONE | Legal Service code 29 | — | $12K |
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 | 861 | 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) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 922 | $80K |
| Stop-loss / reinsurancereinsurance | MERITAIN HEALTH | 861 | $322K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 922 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 922 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.