| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 CREVE COEUR, MO 631416695 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $87K | $93K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN AG | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 0.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LL | 12645 OLIVE BLVD STE 300 LOUIS, MT 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $479 | $9K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTER DRIVE SUITE 200 CHESTERFIELD, MT 63017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $303 | $4K | 2.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 12645 OLIVE BLVD STE 300 LOUIS, MT 63141 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNECY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.02% |
| AP BENEFITS ADVISORS LLC3 | 10 NORH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.92% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $219K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $155K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.