| 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 | $13K | $1K | $14K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC-HAAKE | 7015 COLLEGE BLVD OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 10.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 662111671 | VISION SERVICE PLAN | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $415 | $6K | 10.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $258K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $23K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
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 | 999 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSORUI | 1,363 | $443K |
| Vision | VISION SERVICE PLAN | 481 | $85K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $224K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $224K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 623 | $393K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,363 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.