| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL. CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $53 | $57K | 1.06% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 0.47% |
| JAMES GENTRY3 | 16150 MAIN CIRCLE DR. STE. 400 CHESTERFIELD, MO 630174689 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL. CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.07% |
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 | 24,985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,362 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 36,609 | $9.8M |
| Vision | VISION SERVICE PLAN | 16,271 | $1.7M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 24,985 | $6.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,946 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,025 | $3.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,985 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,609 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.