| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136K | $10K | $146K | 29.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $6K | $56K | 31.27% |
| CL JM, LLC.3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$21K | -$1K | -$22K | -12.32% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 631242208 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $6 | $8K | 8.61% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $476 | $476 | 0.54% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | -$3 | $85 | $82 | 0.09% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 631242208 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6 | $7K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.87% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $912 | $4K | 5.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $327 | $327 | 0.50% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $37 | $70 | $107 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN - CHESTERFIELD, MO | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,165 | $357K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 462 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $503K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $503K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 615 | $528K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.