| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 9201 WATSON ROAD ST. LOUIS, MO 63126 | HCC LIFE INSURANCE CO. | $91K | — | $91K | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | HCC LIFE INSURANCE CO. | $13K | — | $13K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR., STE. 200 CHESTERFIELD, MO 63017 | EYEMED VISION CARE - FIDELITY LIFE INSURANCE CO. | $3K | — | $3K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $198K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $29K |
| RX BENEFITS INC EIN 63-1157085 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $11K |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE - FIDELITY LIFE INSURANCE CO. | 605 | $29K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $54K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $132K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO. | 288 | $1.2M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.