| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 611 POINTE NORTH BLVD ALBANY, GA 31721 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $34K | $34K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $11K | $103K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $28K | 16.75% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 631242208 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $962 | $6K | 6.76% |
| 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 | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $33 | $4K | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $427 | $427 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.04% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 631242208 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $661 | $6K | 9.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $705 | $3K | 5.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 630175942 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $33 | $3K | 5.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $275 | $275 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 STE 1200 LOVELAND, OH 451401643 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | EYEMED | $4K | $0 | $4K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METLIFE LEGAL PLANS | $128 | $0 | $128 | 9.97% |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,176 | $372K |
| Vision | EYEMED | 1,006 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 782 | $612K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 782 | $612K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 610 | $962K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 782 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.