| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | $12K | $2K | $14K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $3K | — | $3K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7015 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $422 | $6K | 10.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $275K |
| DISCOVERY BENEFITS CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVENUE 877-765-8810 SOUTH FARGO, ND 58103 | $17K |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
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 | 842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 1,213 | $398K |
| Vision | VISION SERVICE PLAN | 457 | $73K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 842 | $220K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 842 | $220K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 539 | $359K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 842 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,213 | — |
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."
No prospect flags tripped on this filing.