| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND N DR MINNEAPOLIS, MN 55428 | ANTHEM BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.38% |
| J.W. TERRILL3 Filed as: JW TERRILL BENEFIT SERVICES INC | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | ANTHEM BLUE CROSS BLUE SHIELD | $46 | — | $46 | 0.01% |
| CLJM LLC3 | 8235 FORSYTH BOULEVARD, STE 1200 CLAYTON, MO 63105 | ANTHEM BLUE CROSS BLUE SHIELD | $19 | — | $19 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE INSURANCE COMPANY | $4K | — | $4K | 10.06% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $985 | — | $985 | 5.33% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $533 | $533 | 2.88% |
| IL AUTO DEALERS ASSN3 | C/O MR PETER J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $377 | $377 | 2.22% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $333 | — | $333 | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $235 | $235 | 2.26% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 11.99% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $388 | $388 | 3.89% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $593 | — | $593 | 6.32% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $228 | $228 | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $750 | — | $750 | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $122 | $122 | 2.09% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $257 | — | $257 | 5.28% |
| IL AUTO DEALERS ASSN3 | C/O MR. PETERS J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $105 | $105 | 2.16% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE GROUP | $226 | — | $226 | 4.72% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE GROUP | — | $146 | $146 | 3.05% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $339 | — | $339 | 7.61% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $112 | $112 | 2.51% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 345 | $760K |
| Dental | HEALTHY ALLIANCE INSURANCE COMPANY | 93 | $45K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 345 | $691K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 345 | $691K |
| Short-term disability(7 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 21 | $69K |
| Long-term disability(7 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 21 | $69K |
| Other(4 contracts, 3 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 345 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.