| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $142K | $142K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | DELTA DENTAL OF MISSOURI | $32K | $1K | $33K | 6.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66K | $12K | $78K | 17.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $5K | $11K | 5.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 8.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 17.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $658 | $6K | 16.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $821 | $6K | 17.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $437 | $4K | 16.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DR W STE 500 ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $673 | $395 | $1K | 7.93% |
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 | 686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 559 | $7.6M |
| Dental | DELTA DENTAL OF MISSOURI | 1,210 | $481K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 533 | $62K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $535K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $207K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,210 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.