| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MW BAGNALL COMPANY3 Filed as: MW BAGNALL CO | 1345 E CHANDLER BLVD STE 103 BLDG 1 PHOENIX, AZ 850486280 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICES INC | 1345 CHANDLER BLVD STE 103 PHOENIX, AZ 850486280 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL FL 14 ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $250 | $250 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING-ST. LOUIS | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 23.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $1K | $0 | $1K | 9.22% |
| MW BAGNALL COMPANY3 Filed as: BAGNALL COMPANY | 1345 EAST CHANDLER BLVD PHOENIX, AZ 85048 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $589 | — | $589 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $577K |
| DELTA DENTAL OF MISSOURI EIN 43-0908346 NONE | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS ROAD ST. LOUIS, MO 63127 | $74K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $30K |
| CONNECT YOUR CARE EIN 26-1274092 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $16K |
| ST LOUIS BUSINESS HEALTH COALITION EIN 43-1694859 NONE | Insurance agents and brokers Service code 22 | 8888 LADUE ROAD SUITE 250 ST. LOUIS, MO 63124 | $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 | 1,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $470K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 72 | $6K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 769 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.