| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSORUI | $14K | — | $14K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $26K | 10.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 662111671 | VISION SERVICE PLAN | $5K | — | $5K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $497 | $7K | 11.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Contract Administrator Service code 13 | — | $21K |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSORUI | 1,285 | $447K |
| Vision | VISION SERVICE PLAN | 545 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $243K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $243K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $243K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,285 | — |
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.