| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR ST. LOUIS, MO 63146 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 5.45% |
| AHM FINANCIAL GROUP LLC3 Filed as: AHM INSURANCE GROUP | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 15.15% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 5905 E GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | — | $857 | $857 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DRIVE W SUITE 500 SAINT LOUIS, MO 63110 | HARTFORD LIFE AND ACCIDENT | -$81 | — | -$81 | -0.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MO, LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | VISION SERVICE PLAN | $836 | — | $836 | 5.18% |
| AHM FINANCIAL GROUP LLC3 Filed as: AHM FINANCIAL GROUP, LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | VISION SERVICE PLAN | $133 | — | $133 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $182K |
| ASSUREDPARTNERS OF MISSOURI LLC EIN 80-0948154 BROKER | Other commissions Service code 55 | 11975 WESTLINE INDUSTRIAL DR ST. LOUIS, MO 63146 | $0 |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 375 | $132K |
| Vision | VISION SERVICE PLAN | 121 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 62 | $56K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 62 | $56K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 428 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.