| 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 | $2K | — | $2K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 8.85% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $502 | $502 | 2.67% |
| IL AUTO DEALERS ASSN3 | C/O MR PETER J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $332 | $332 | 2.08% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $81 | — | $81 | 0.51% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $770 | — | $770 | 5.88% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $484 | $484 | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $342 | $342 | 3.90% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $602 | — | $602 | 7.94% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $200 | $200 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $779 | — | $779 | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $190 | $190 | 3.14% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE GROUP | $626 | — | $626 | 12.46% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE GROUP | — | $149 | $149 | 2.97% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $88 | — | $88 | 2.12% |
| IL AUTO DEALERS ASSN3 | C/O MR. PETERS J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $88 | $88 | 2.12% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $90 | $90 | 2.28% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$157 | — | -$157 | -3.97% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $48 | $48 | 3.18% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$239 | — | -$239 | -15.83% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 177 | $869K |
| Dental | HEALTHY ALLIANCE INSURANCE COMPANY | 104 | $47K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 177 | $799K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 177 | $799K |
| Short-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 22 | $70K |
| Long-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 22 | $70K |
| Other(4 contracts, 3 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 204 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.