| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | DELTA DENTAL OF MISSOURI | $14K | $990 | $15K | 10.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE WEST ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 10.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DRIVE WEST ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 14.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | ADVANTICA INSURANCE COMPANY | $2K | $116 | $2K | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO INC | 1001 HIGHLANDS PLAZA DRIVE WEST ST. LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $195 | — | $195 | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY COMPANY | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | $195 | $385 | 10.12% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $2.0M |
| Dental | DELTA DENTAL OF MISSOURI | 364 | $138K |
| Vision | ADVANTICA INSURANCE COMPANY | 302 | $16K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $62K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $5K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $44K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.