| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.39% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$217 | $0 | -$217 | -0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF MISSOURI | $2K | $355 | $2K | 3.63% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP LLC | 8182 MARYLAND AVENUE CLAYTON, MO 63105 | DELTA DENTAL OF MISSOURI | $1K | $0 | $1K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | ADVANTICA INSURANCE COMPANY | $525 | $0 | $525 | 7.11% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE CLAYTON, MO 63105 | ADVANTICA INSURANCE COMPANY | $299 | $0 | $299 | 4.05% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 186 | $51K |
| Vision | ADVANTICA INSURANCE COMPANY | 133 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $55K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.