| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $24K | $2K | $26K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - JW TERRILL | A MARSH MCLENNAN AGENCY CHICAGO, IL 60693 | DELTA DENTAL OF MISSOURI | $18K | $0 | $18K | 11.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | EYEMED | $2K | $0 | $2K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $418 | $0 | $418 | 10.63% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $391 | $0 | $391 | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METLIFE LEGAL PLANS | $377 | $0 | $377 | 10.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG I SUITE 100 AUSTIN, TX 78729 | METLIFE LEGAL PLANS | $0 | $189 | $189 | 5.02% |
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 | 134 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 441 | $2.3M |
| Dental | DELTA DENTAL OF MISSOURI | 444 | $160K |
| Vision | EYEMED | 205 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $34K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 441 | $2.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.