| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA ST. LOUIS, MO 63110 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $32K | $57 | $32K | 3.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA ST. LOUIS, MO 63110 | DELTA DENTAL OF MISSOURI | $6K | $379 | $6K | 11.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA ST. LOUIS, MO 63110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 8.00% |
| MEDICAL GROUP INSURANCE SERVICES3 | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | ANTHEM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 173 | $979K |
| Dental | DELTA DENTAL OF MISSOURI | 129 | $57K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 173 | $979K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 113 | $12K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $54K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 113 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.