| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8181 MARYLAND AVENUE SAINT LOUIS, MO 63105 | INDEPENDENCE BLUE CROSS | $0 | $134K | $134K | 3.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | INDEPENDENCE BLUE CROSS | — | -$7K | -$7K | -0.19% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $0 | $43K | 8.65% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 5.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $494 | $494 | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.97% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $446 | $0 | $446 | 0.78% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LANE SAINT ANN, MO 63074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 0.38% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T. VANDEGRIFFE | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | $0 | $146 | 0.25% |
| JEREMY G ADAMS3 Filed as: JEREMY ADAMS | 6204 CLAYTON AVENUE SAINT LOUIS, MO 63139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.18% |
| BRYAN MURPHY3 Filed as: BRYAN J. MURPHY | 2436 CRIPPLE CREEK DRIVE SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.15% |
| AMANDA J. SHELBY3 | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.44% |
No Schedule C service providers reported on this filing.
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 725 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 778 | $259K |
| Vision | VISION SERVICE PLAN | 359 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $501K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $501K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $501K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 725 | $4.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.