| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | $13K | $115K | 10.20% |
| JOSE FERNANDEZ3 | 1201 ELM ST SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $106K | $2K | $108K | 9.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 ST. LOUIS, MO 63017 | AXIS INSURANCE COMPANY | $71K | — | $71K | 10.00% |
| JOSE FERNANDEZ3 | 1201 ELM ST SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $3K | $66K | 32.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $1K | $62K | 30.45% |
| JOSE FERNANDEZ3 | 1201 ELM ST SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $2K | $57K | 57.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $618 | $33K | 33.10% |
| JOSE FERNANDEZ3 | 1201 ELM ST SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $956 | $40K | 48.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $490 | $21K | 25.93% |
| JOSE FERNANDEZ3 | 1201 ELM ST SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURNACE COMPANY | $25K | $633 | $25K | 48.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURNACE COMPANY | $13K | $311 | $13K | 25.40% |
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 | 3,342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AXIS INSURANCE COMPANY | 431 | $706K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,342 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,342 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,342 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,342 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,342 | $1.1M |
| Prescription drug | AXIS INSURANCE COMPANY | 431 | $706K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 924 | $572K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,342 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,342 | — |
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.