| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE DR. CHESTERFILED, MO 63017 | UNION SECURITY INSURANCE COMPANY | — | $11K | $11K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 825 MARYVILLE CENTRE DR CHESTERFILED, MO 63017 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 0.23% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHNOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MO | 8182 MARYLAND AVENUE ST. LOUIS, MO 63105 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 545 | $476K |
| Vision | UNION SECURITY INSURANCE COMPANY | 545 | $476K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $73K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 553 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.