| 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 | $3K | $10K | 13.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Insurance services; Claims processing; Contract Administrator Service code 12 | — | $648K |
| LISA BOYER EMPLOYEE | Employee (plan) Service code 30 | 4239 WOODSON RD STE 300 ST. LOUIS, MO 63134 | $70K |
| BURR OAK CONSULTING LLC NONE | Consulting (general) Service code 16 | 2115 BARRETT STATION RD ST. LOUIS, MO 63131 | $61K |
| COMMERCE BANK NONE | Custodial (securities) Service code 19 | 6863 CLAYTON RD ST. LOUIS, MO 63117 | $48K |
| RSM EIN 42-0714325 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $48K |
| MERCY MANAGED BAHVIORAL 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 | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $14K |
| SPECTOR WOLFE MCLAUGHLIN OMARA HALL EIN 43-1718339 NONE | Legal 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 | 896 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $73K |
| Stop-loss / reinsurancereinsurance | AETNA | 979 | $489K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.