| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS, PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $35K | $36K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS, PLAZA DR W STE 500 ST. LOUIS, MO 63110 | DELTA DENTAL OF MISSOURI | $8K | $0 | $8K | 12.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS, PLAZA DR W STE 500 ST. LOUIS, MO 63110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 8.00% |
| WORKSITE INNOVATIONS INC3 Filed as: WORKSITE INNOVATIONS, INC. | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS, PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | STE 750 200 S WACKER DRIVE CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS, PLAZA DR W STE 500 SAINT LOUIS, MO 63110 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $3K | $2K | $5K | — |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $1.1M |
| Dental | DELTA DENTAL OF MISSOURI | 166 | $67K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 227 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $30K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $50K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.