| 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 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM BLUE CROSS BLUE SHIELD | $597 | — | $597 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.94% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $660 | $660 | 2.55% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $642 | — | $642 | 2.48% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $432 | — | $432 | 3.05% |
| IL AUTO DEALERS ASSN3 | C/O MR PETER J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $308 | $308 | 2.18% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $449 | $449 | 3.52% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$413 | — | -$413 | -3.23% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $305 | — | $305 | 2.85% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $290 | $290 | 2.71% |
| 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 | — | $371 | $371 | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $780 | — | $780 | 12.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $226 | $226 | 3.72% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE GROUP | — | $142 | $142 | 2.70% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE GROUP | -$4 | — | -$4 | -0.08% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $148 | — | $148 | 4.99% |
| IL AUTO DEALERS ASSN3 | C/O MR. PETERS J SANDER EXEC VP SPRINGFIELD, IL 62708 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $70 | $70 | 2.36% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $468 | — | $468 | 15.83% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $71 | $71 | 2.40% |
| MISSOURI AUTO DEALERS ASSN3 | C/O JULIE SELLS SAINT LOUIS, MO 63131 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $60 | $60 | 3.37% |
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 | 198 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | ANTHEM BLUE CROSS BLUE SHIELD | 689 | $731K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 96 | $43K |
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 689 | $656K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 689 | $656K |
| Short-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 24 | $77K |
| Long-term disability(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 24 | $77K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 689 | $656K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.