| 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 | — | $175K | $175K | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA DR. W STE 500 ST. LOUIS, MO 63110 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 0.32% |
| 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 | $84K | $15K | $99K | 15.35% |
| 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 | $26K | — | $26K | 4.99% |
| 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 | $11K | $7K | $18K | 6.07% |
| 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 | $3K | $9K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO. | 200 S. WACKER DRIVE STE 750 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DR. W STE 500 ST. LOUIS, MO 63110 | VISION SERVICE PLAN | $6K | — | $6K | 9.99% |
| 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 | $5K | $2K | $7K | 12.90% |
| 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 | $7K | $1K | $8K | 15.71% |
| 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 | — | $5K | 15.00% |
| 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 | — | $5K | 15.00% |
| 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 | $3K | — | $3K | 15.00% |
| 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 | $877 | $449 | $1K | 6.54% |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $7.9M |
| Dental | DELTA DENTAL OF MISSOURI | 1,255 | $516K |
| Vision | VISION SERVICE PLAN | 551 | $59K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $788K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $297K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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."
No prospect flags tripped on this filing.